BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I called and spoke to customer service three times, and also talked to their next/final level. The card advertised 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks. 

I also asked to speak to a supervisor, I was told their supervisors only do trainings and do not speak to customers ever. Their system is flawed as well as their paperwork. 

When I received and activated the card on XX/XX/XXXX the introductory rate was not on website, instead it stated 21.90 % When I looked at the back of the customer agreement it stated " 00.00 % introductory XXXX through XX/XX/2024 billing cycle on purchases, and on any balance transfers and convivence checks that post to your account by XXXX. '' There was no date given. 

According to customer service after researching ( on phone for an hour ) I had to do the transfer prior to XX/XX/XXXX. However, I did not receive the card by mail until XXXX. They also said I could not transfer till I had the card in my possession. It took over XXXX weeks for me to receive after I applied. 

Their advertising prior to receiving the card and the written USAA Credit Card promotion and agreement when I received the card is very misleading. The paperwork I received has " by XXXX '' which is not a date. But over the phone their customer service insisted the promotion is not connected to my card. 

The company will not allow me to speak to a supervisor nor honor their promotion for a balance transfer/purchases until XX/XX/2024. They stated this is their policy and despite having paperwork that clearly shows no date they claim there is nothing they can do to activate the promotion.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I DISPUTED THIS A WHILE BACK AND THEY REMOVED IT OFF MY ACCOUNT I CUT UP CARD THEY SENT XXXX XXXX XXXX AND THE ONLY CHARGE THAT WAS SUPPOSED TO BE ON THERE WAS {$99.00}, AND THE STAYED IT WAS DONE ON XX/XX/XXXX two of them then on XX/XX/XXXX charged something else and then stayed I called them on the XX/XX/XXXX to say it wasnt me. I ALSO TOLD THEM I HAD COMPLETE XXXX  XXXX ON XXXX XXXX XXXX  MY DAUGHTER DL WAS SUSPENDED FOR 90 days HER CAR WAS IN SHOP FOR SEVERAL MONTHS ( XXXX XXXX  ) AND SHE HAS NO XXXX To my card I had to take my daughter to XXXX XXXX on XXXX to pay to get her dl back. Also they stay them E-Mail and text my daughter but the agreement was they email me and text my phone which they didnt bottom line I didnt do this charges so I dont need to pay this but they did and investigation and found out it wasnt me and they removed it well credited my account back so when I received my bill it was it was only supposed to be XXXX some cents. My credit is very excellent as you can see and I dont want this on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the List of accounts shown below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 
ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX, ACCOUNT Name : XXXX XXXX, XXXX XXXXXXXX, ACCOUNT Name : XXXX XXXX, XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: V and H Portfolio
State: TX
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 writing to file a formal complaint regarding information on my credit report concerning the account listed below : Vance and Huffman LLC Dispute Reason : Ownership/ No knowledge of account Original Creditor : XXXX Account Type : Debt buyer Date Open : XX/XX/2023 Balance : {$3600.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I have recently reviewed my credit report and discovered the presence of the aforementioned collection accounts. However, I have no knowledge of these collection accounts and believe that it has been inaccurately associated with my credit history. I have taken the necessary steps to dispute this information through XXXX, XXXX and unfortunately, their investigation has yielded an unsatisfactory result. 
According to the investigation, the disputed information was verified as accurate, and XXXX and XXXX has decided not to make any changes to my credit report. I strongly disagree with this decision, as I am certain that I have no connection to the mentioned account. No documentation has been provided as requested by the part above to support I am responsible for the above debt. 
I have carefully reviewed my financial records, and there is no evidence to support the existence of this debt or any association with Vance and Huffman LLC. 
In light of the above, I kindly request a thorough review of my credit report and a reconsideration of the decision made by XXXX and XXXX. I believe that a mistake has been made, and it is essential that my credit report accurately reflects my financial history. I request that the following actions be taken : 1. Conduct a comprehensive investigation into the disputed account and provide clear evidence of its ownership and legitimacy.

2. Update my credit report to reflect the correct and accurate information, ensuring that the disputed account is removed. 
I expect a prompt and fair resolution to this matter. As a consumer, I have the right to accurate and up-to-date credit information. The inaccuracies in my credit report have the potential to negatively impact my financial standing and opportunities, which is of great concern to me. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.

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 2023-05-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was fraud on my Care Credit account I did not make several purchases. I called them and they have a dispute in progress I have made a payment so it will not go into collections the amount is currently wrong. It should be less than {$800.00} which is the credit limit. I lost my wallet and card and someone was using all my cards and making purchases and paying other cards off to continue to use 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 2023-08-27
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter via usps to Huntington National Bank on XX/XX/2023 requesting information about the amount owed, the auction of the vehicle and a written response with the requested information within 30 days. Huntington National Bank has not provided me with anything in writing and it has been beyond the 30 days, which is a consumer violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
EdFinancial is refusing to accept payment for loans while they are making changes to their servicing site. This has been ongoing since XXXX and Edfinancial is now stating they may not have this resolved before XXXXXXXX. I have been attempting to submit payment for my student loans and they are not allowing any payments to made, can not locate my loans in their portal, and are attempting to delay access to the student loan payment portal until after the expiration of the zero interest which would result in them charging and collecting money to which they are not entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, I had to pay around {$900.00} for fees accrued in a loan with Popular Auto, Banco Popular of XXXX XXXX branch for vehicle loans. Merchant phone XXXX and XXXX I had already paid my vehicle loan and was a bit confused as to why I had never received the title. 

Upon contacting them, they told me that they have not sent me the title because I owed them $ XXXX as accrued fees for an extension they gave me back in XXXX when XXXX XXXX XXXX XXXX XXXX XXXX 

I explained that I never requested an extension or for them to stop my recurring car payments, as the payments were set to be deducted automatically every month. 

Their reply was that, back then, they did this across the board, even if the client wasn't informed that such action was being taken. 

Granted, most Puerto Ricans didn't have ways to communicate for months. That said, I never received a letter or a call letting me know that this action was being taken unilaterally. 

I had to pay the $ XXXX because I needed the title of my vehicle, but I had no chance. Otherwise, they told me that I was not going to have that said title. 

Right after I made the payment, I requested to be transferred to dispute the fees I had paid. It has been close to 3 months today since XXXX disputes the {$900.00} fees which, again, I paid with restraint, but haven't received a letter informing me about the decision. 

If my dispute was denied, I still want the $ XXXX I paid to be reimbursed. I don't believe it's fair for me to pay fees for an extension I did not requested. 

Silver lining : I did receive the title of the vehicle. 

Name : XXXX XXXX Last four of bank account : XXXX Contract # XXXX Plate : XXXX Cel XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue may be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately BRCLYSBANKDE  XX/XX/2020 Balance : {$1600.00}

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX- OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR XXXX AND XXXX XXXX 

XXXXXXXX XXXX  -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR XXXX AND XXXX XXXX 

XXXXXXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON XXXX, BUT NOT ON XXXX. THIS ACCOUNT DELETED OFF XXXX, BUT NOT XXXX. XXXX SHOULD HAVE BEEN DELETED THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy reporting to my XXXX and Experian credit report I have told them it isnt mine its fraud and they told me to file it on here and then they would remove it XXXX keeps saying the verified it with XXXX XXXX which is in correct cause I got my public record from them and they said I have no public record this is their third party they get XXXX information from I want this removed immediately sick of getting the run around

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 2023-05-27
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX, XXXX and Experian are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Public Records on my credit report and I sent dispute letter on XX/XX/XXXX. Asking for a letter from the court to prove this is my bankruptcy and I wasn't given proof. Public Record XXXX XXXX from XX/XX/XXXX and XXXX XXXX from XX/XX/XXXX. And they verified but didn't send me proof from the court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: TN
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 XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-08-27
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for the XXXX repayment plan on XX/XX/2023 through the studentaid.gov website. The website told me that they would send the application to Edfinancial for review. Edfinancial reviewed it on XX/XX/2023 but I never received any correspondence on whether my application was approved and I am currently still on the standard payment plan. They never sent and email or a letter on the status of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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:
I have accounts that are posting inaccurate Information.

Inquires i did not authorize

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 2023-04-07
Company: Kriya Capital, LLC
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: Reporting company used your report improperly

Complaint:
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you.

Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions and corrections.

Thank you,

Company response to consumer: Closed with non-monetary relief