BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been victim of identity theft at USAA. Someone has stolen my SS # and made a fake DL to open XXXX fraudulent credit card accounts and a bank account under may name. I have sent everything USAA has asked me to send from day one, since 4 months ago, and have hadXXXX lengthy follow up calls with them to date. Every time they say all is cleared but they fail to confirm to me by writing or email and report to the credit bureaus. Please see my last correspondence to them by certified mail, attached. This has been a nightmare for me. The situation is very suspicious and concerning as there are reasons to believe that the thief is potentially either internal to USAA or has a good line into USAA! 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 2020-08-14
Company: Experian Information Solutions Inc.
State: LA
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 filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX  XXXX XXXX, a couple store credit cards and an old XXXX bill that was sent to collections that I disputed directly with the company.

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 2016-12-29
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I had recently spoke with a representative from a lending institution about a refinancing loan for my home. He had gathered information about myself and the property in question. I am looking to shop competitor rates and fees as well so I told him I would not like my credit to be pulled at this time. He then stated that he would not be able to give me an estimate unless my credit rating was pulled. I then said I would call him back, I then called a family member who owns a mortgage company and has been in the business for 30 years. She had informed me about the new law called " XXXX '' instituted on XXXX XXXX, 2016, stating that when you provide the XXXX pieces of information, name, social, property address, loan amount, income and an estimated appraisal value that the lender is required to provide you with an estimate of rates and fees by law within 3 days. I then called him back stating this because I gave him all the pieces of information except my social security number the first time we spoke because he said he would use it to pull my credit report to be able to provide me with an estimate of rates and fees. I did not want my credit pulled at that time and that is when I called my family member and she explains the laws. He then insisted on saying that is why he needed my social is to pull my credit so he can give me a loan estimate. As explained to me by my family member in the mortgage business, he can not pull my credit without my approval and could be in serious trouble if he did, I just wanted to shop rates and fees like I am able to do, he then became very short with me saying he would get fired if he were to guess at loan rates for me, so he just said some where between 3 % and 6 % and said he would delete my information, and that was the end of the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My account was reported to the Credit Bureaus as 30 days past due despite the fact I had made my payments per the billing statement and within 30 days of the payment due date. 
On XXXX/XXXX/16, I received a credit card statement for a recent purchase. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid {$100.00}. On XXXX/XXXX/16 I received my next billing statement. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid my balance in full. 
When I contacted the bank on XXXX/XXXX/16 to pay my balance if full, I was advised that I was 32 days late and had been reported negatively to the credit bureau ( 30 days past due ). The Customer Service Representative insisted that, for the purpose of bureau reporting, late payment calculations are calculated from the date I last made a payment and not based on when the payment is due. A supervisor later supported this policy indicating that the banks terms and conditions explicitly allow the bank to report negatively to the credit bureau if the number of days between payments is greater than 30 days. Even if the payments are made according to the statement due bill. I insisted that this is a violation of FCRA given that the bank inaccurately reported to the bureau that I was 30 days past due ( from the payment date ) when I clearly was not. The supervisor informed me that the terms and conditions I signed when I opened the credit card waived my FCRA rights. This is clearly not legal or acceptable. Therefore, I ask for the CFPB 's assistance to correct. An inaccurate 30 day late report to the bureau can have extraordinary consequences for me financially. This type of predatory behavior is inexcusable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: Avant Credit Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, the state of Illinois shut down due to covid. I work two jobs, both of which were affected. Originally, the quarantine was to be 2 weeks. Unfortunately it was extended many months. This affected my ability to pay the last installment of this loan. I contacted the lender requesting a deferment. The lender advised me that a deferment was not available to me as this was my last payment. However, a deferment was available to other borrowers. This is absolute unfair practice. My payment history was perfect until this last payment. This lender 's policy caused my credit to be affected. Covid was beyond my control. I feel this company is predatory. The CARES act requires lenders to report current when accommodations are made. In order to practice fairly, customers with one payment left should not be discriminated against. We were all affected by this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: LA
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 filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX XXXXXXXX XXXX, a couple store credit cards and an old XXXX bill that was sent to collections that I disputed directly with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Santander is reporting negative information on my credit report. I have taken the necessary step to dispute the information with the credit bureaus. ( I disputed the account in XXXX XXXX ) The credit reporting agencies said everything was verified with the data furnisher & if I had questions about the account I needed to contact the data furnisher directly. I 've sent them XXXX different requests XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX to provide me with all necessary documentation showing the account belong to me. They have ignored my requests. So I contacted the credit reporting agencies & they said I need to supply documents showing the information is inaccurate. I 'm very confused ... how would I have information showing these accounts are inaccurate? I 've researched the FDCPA & FCRA and found out that it is the responsibly of the data furnisher to provide the consumer with all proper documentation when requested.They are not following the rules & I 'd like this information removed immediately!!! I 've included the letters sent to Santander to validate my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I ordered my credit report and found several items that were not authorized by me and asked Equifax to remove. I sent 2 letters and both came back saying I was not the person I said I was. I sent in verification ( driver 's license, SSN, bank statement ) that XXXX continue to not look into my complaint. 

Below is the item I would like removed from my credit file. 

XX/XX/202XXXX XXXX Was not authorized and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Conn's, 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a Real Estate Agent working a short sale for me and my husband. We have a foreclosure hearing date XX/XX/XXXX. The servicer is PNC and the investor is XXXX Bank. PNC acknowledged on XX/XX/XXXX that they had received a complete short sale package. On XX/XX/XXXX PNC told us due to government guidelines PNC only has 30 days to respond to a request for a short sale and since the investor ( XX/XX/XXXX Bank ) has not responded PNC had to close the file. I was told that once XXXX Bank responds they will reopen the file. My realtor has called PNC weekly and there is still no response from XX/XX/XXXX Bank and now we are headed to foreclosure. We would like help completing a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: World Acceptance Corporation
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2015-09-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I applied for a credit card to purchase an XXXX XXXX through XXXX XXXX. I have made payments towards the card, just recently, I was charged accrued interest. This interest is causing financial hardship. My intention was to pay the card off within the alloted time, however, financial hardship prohibited me from doing this. My brother XXXX in 2012 and as a result, our family is sustaining financial hardship. My mother is attempting to remain afloat but the loss of his income has now had an impact on my mothers finances. All savings have been depleted. As a result, I have had to contribute financial support to my mom in order to meet everyday expenses. I have only XXXX credit card and this is with Barclay. I am hoping that Barclay will note that I have made the payments as required and when I have the ability, I pay more than the minimum payment. I would like to continue to maintain my credit card with Barclay and look forward to expanding a financial relationship with them. I am only XXXX years old, but due to the XXXX brother have now had to take on added responsiblities. Any compassion on the part of Barclays would be met with very much gratitude. I honestly did not know that the interest was going to be added or I would have made bigger attempts to pay a larger dollar payment. Thank you again for your understanding of my financial hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Today I received a call from a company in Ohio that processes payments for a company that sells drones. The man who called said he wanted to verify I had authorized {$3000.00} in purchases for drones to my credit card issued by Barclays Bank Delaware. I had not. When I logged onto my Barclay card account to see if the charges were there, I saw XXXX temporary charges for {$1500.00} each to XXXX. I immediately attempted to contact Barclays. After being on hold for more than 5 minutes, a representative finally comes on the line and says quickly " We are currently updating our system. Please call back in 24-36 hours '' and then HANGS UP! I thought there must have been a mistake so I called back. THREE MORE TIMES. The same thing happens every time. So now, not only is my identity compromised and my credit card being used fraudulently, but I ca n't even talk with someone at the credit card company to find out why they did n't put a stop to the charge ( On XXXX XXXX, 2015 they refused to allow me to charge {$130.00} XXXX until I spoke with their fraud department ) as suspicious and what I 'm supposed to do about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: Knight Adjustment Bureau
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am having an ongoing issue with a collection agency which is reporting information in a fraudulent manner to the three credit bureaus and which I have tried on multiple occasions to dispute, asking for validation, verification and original source information. 
The collection agency rubber stamps the dispute as meeting the criteria of the FCRA and ignores the request. This has happened numerous times over the last 4 months. 
Every time I ask for enough data to verify how the company could buy a debt which is illegal, automatically the company reports that it is correct with no proof. It has provided nothing more than a headache at best and a complete lack of transparency with the Fair Credit Reporting Act at worst. 

The collection agency is Knight Adjustment Bureau operating out of Utah. What review I could find on the company read truly horrific and do not surprise me whatsoever. I am asking for this agency to mediate this investigation to make sure that Knight Adjustment Bureau complies with my request as I have grown tired of their illegal methods to hold a consumers credit file hostage with no proof whatsoever that a debt even exists as the company that is reporting it lists a different amount from bureau to bureau and when I tried to call the company the call rang on and on with no answer or message. 

Assistance is sorely needed and will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
The practice of people that use credit charge " Chargebacks '' MUST stop. It is entirely criminal, as said people are able to call in to their bank and very easily and simply ask them to " Reverse Charges '' against a merchant, EVEN WHEN THE PRODUCT HAS NOT BEEN RETURNED, and AFTER SERVICES WERE PROPERLY RENDERED. XXXX is allowing this type of practice to occur on a constant basis, costing merchants and consumers alike many millions of dollars per year. In this particular case which I am reporting at this time, all the customer had to do was tell them that we " charged them XXXX '', and they got away with it!! We did NOT charge them XXXX. They made XXXX PAYMENTS. XXXX payment was a 50 % down to RESERVE the rental services, and the other was final payment toward the BALANCE OWED. The customer simply told the bank that the XXXX charge was a DUPLICATE, while it in fact, WAS THE FINAL PAYMENT ON THE BALANCE. This is hurting people very badly AND MUST BE STOPPED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Granite Edvance Corporation
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my payment was taken out of my bank account in the amount of XXXX. On Bank Of America 's page it shows that this amount has been processed however it also says the exact same amount is also in a pending status. There are two separate statuses for the same payment which conflict each other. They are not releasing my credit line to the full amount to reflect payment. They have done this in the past with large payments. They will show it is cleared in one spot and then leave it in processing as well, but they DID take the money from my account. Again my available credit does NOT show they have applied the payment. Customer service was no help whatsoever. They talked down to me and kept me on hold for a long time without getting a supervisor as I had demanded.

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 2022-02-20
Company: EQUIFAX, INC.
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:
TO WHOM IT MAY CONCERN Under 15 USC 1681 b -permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave EQUIFAX XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts linked below as a consumer demanding deletion of these accounts. XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/2020 My National Insurance number is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE FILED A DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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