BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Credit card
Issue: Other

Complaint:
In the past couple of years I 've tried to obtain a credit card through my bank, USAA in XXXX XXXX, and have had auto insurance there since serving XXXX in the military during the early XXXX. I 've had XXXX secured loans in recent years with USAA and paid them both off on time, never late. The bank has denied me a credit card XXXX in the past two or three years, the last time only recently. Also it denied another secured loan, even though at the same time my bank in XXXX not only offered an unsecured loan of {$10000.00}, but also granted a credit card now with a {$6000.00} limit. This is all within the past two or three years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have filed a complaint already against Barclays, but realized there were many more details I did not include. This is for the Barclays Aviator rewards card. I had a boyfriend named XXXX XXXX who took my credit card and booked travel in my name and in his. I had no knowledge of it. He did it so he could travel on his own at my expense. The booking was also put in my name is so it did not seem suspicious to the bank. I had auto pay set up so I never even looked at the charges and knew nothing about it until several months later. I put all the charges in dispute with Barclays. It was successful but months later many creditors rebilled. Due to the Covid virus all the airlines were demanded to refund the tickets. This was after XX/XX/2020. Barclays would not repopen the disputes as they said it was already disputed. As mentioned the law took affect months after my dispute. I have called the bank on at least 30 occasions. This was to be submitted as FRAUD they would not put it in FRAUD as they said I knew the perpetrator. I called all the airlines and they said they already issued refunds.. Barclays is stating they never got refunds. I have never had so much stress in my life. I had to close down a XXXX line of credit as working with this bank has been the worst experience in my life. Please help me resolve this dispute with them.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through XXXX # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.

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 2022-03-15
Company: EQUIFAX, INC.
State: IA
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:
The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through XXXX # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: DISCOVER BANK
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Talked with multiple people, no one could explain a " random '' customer verification. I am unable to check my balance, but one employee said I can still use my card. Why would I use my card if I can not even check or pay my balance? 
They made me sign a IRS Consent Form 4506-T.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has been repeatedly calling me concerning an old debt that was sold to them by capital One, back in XX/XX/2017, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/2017. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2020 I submitted certified letter to Equifax stating that I have fraudulent activity on my credit report which consists of numerous inquiries that i did not authorize some even are duplicated from the same companies. 
XX/XX/2020 The dispute was closed and the fraudulent inquiries remained on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i have been contacted on numerous occasions by NCB Management Services about a debt that i am unaware of. I have requested that they verify the alleged debt through a letter to me per FDCPA guidelines. I have requested they cease contact with me or anyone else by phone until they provide verification of the legitimacy of the alleged debt. As of this date they have continued to contact me and family at work and home at all times of the night demanding that i pay this debt. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. NCB refuses to provide basic information needed to verify that this debt is even real. I received phone calls from multiple people from XXXX telling me that they are going to notify law enforcement about this debt ( which is both impossible and a violation of FDCPA ). The tactics employed by NCB are both predatory and illegal. Please help in resolving this matter expeditiously so this company is not allowed to continue to operate under false pretenses and unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: CO
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 reported to CFPB NUMEROUS times issues with Experian reporting a negative account that is NOT valid. I have sent several disputes since XX/XX/20. The refuse to to comply with FCRA and complicit in allowing Credit systems to violate FDCPA. Then on XX/XX/20 Experian finally removed the account credit systems collections from my credit file and my credit score increased by 18 points. then on  XX/XX/20 they added this collections back to my credit file decreasing my credit score by 3 points. They have refused to supply proof of what  method verification process Experian utilized and provide me documents substantiating this debt in accordance to my consumer rights. Credit Systems did NOT validate this debt, All credit bureaus  have removed this acct except Experian

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 2016-07-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband passed away 11 years ago, I took the death certificate into Chase Bank as soon as I received it. I have done this 6 times to date. I have asked Chase Bank to please give me the credit for the payment of this mortgage which I have made for 11 years and have paid them over {$330000.00} to date. They sent me a letter stating that " you are not financially responsible for this loan '' but yet they send a bill to me only and take the payment out of my account which only has my name on it. They refuse to report this mortgage to the credit bureaus and I need this good credit on my reports as my credit is not good ( I have a mentally ill child and the medical bills/treatments caused me to go into debt ). I am a widow, on a fixed income and desperately need this credit yet Chase Bank will not answer my questions ( I asked them WHO is responsible for this loan if it is not me and why do they send ME a statement each month and take it out of MY account ) and continue to refuse to assist me. Nothing would change by Chase doing this, they would still receive their payment ( which has never been late in 11 years ) and all I have asked them to do is put my social security number on the loan and report its good standing to the credit bureaus. They will not do this for me. I asked them the first time I took the death certificate into them if I needed to do anything regarding the mortgage and was told I did not need to do anything. Is there anything I can do about this? Legal action?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX**** Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Resurgent Capital Services L.P.
State: CO
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: Problem with personal statement of dispute

Complaint:
Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
American Express serve is claiming I owe them {$740.00}. I have a prepaid card with them so I'm so confused how I owe them. I do frequent a bar in my local neighborhood and they believe i purchased goods on XX/XX/XXXX. Multiple times which i haven't. They refuse to reverse the charges. I had money on the card from payroll funds as well as my tax refund. I dont owe them any money. As a matter of fact it is always something with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HRRG has been calling for the past couple weeks, 20-25 times a day. calling my work phone, calling my cell phone, calling a relatives phone. Sending voice text to my relatives phone. Sending voice text to my work phone. But have only sent one invoice to my house. XXXX XXXX XXXX has sent me invoices for the same debt, not sure who should be collecting. I have attached some of what we have received and labeled who received. Please help resolve the nightmare.

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 2022-03-15
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have applied for PSLF. I am cute let eligible under the waiver for full forgiveness. I submitted my paperwork XX/XX/21. I received notification that my employment was approved and the loans were to be transferred from my current servicer to XXXX, the PSLf servicer. It is almost 4 months later and nothing has happened. My loans are still with the wrong servicer ( Aidvantage ) and all parties have Nj answers as to what the delay is. Others have started the consolidation process recently and been moved to full forgiveness faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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: Their investigation did not fix an error on your report

Complaint:
the accounts listed in the documents i provide i have disputed over and over and im giving you more information and failure to delete these items permanently will result in a lawsuit for not doing a proper investigation showing that these accounts are the result of identity theft.im uploading my identity theft affidavit which was signed and notarized at police department

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 2020-10-02
Company: Nelnet, Inc.
State: MA
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:
Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called XX/XX/18, XX/XX/18, XX/XX/18 and other previous dates Told them to only communicate with me via mail They have in their notes not to call me and still do Debt Company : financial corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 have sent 4 letters by the US postal service and the last two letters were sent certified and signed on XX/XX/XXXX and XX/XX/XXXX. I have requested for debt validation that the debt is indeed actually mine, the only response I have received is that have completed their investigation which established its validly. Nothing has been sent for my review or to investigate. This is an invalid debt that Portfolio Recovery Associates, LLC claims that I owe. I have never had a account with this company or who there so called client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't  XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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