BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
On my latest personal credit report it shows a credit card that is not mine. Data lollows : USAA Savings Bank XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Monthly Payment Monthly payment {$910.00} Date opened XX/XX/XXXX Loan type : CREDIT CARD account type : Revolving Account Date updated : XX/XX/XXXX Payment received : {$0.00} Pay Status : Account 30 days past due date Terms : {$910.00} per month paid monthly High Balance History : high balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX : {$8.00} from XX/XX/XXXX to XX/XX/XXXX. 
{$16.00} from XX/XX/XXXX to XX/XX/XXXX ; {$19000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX remarks : FIRST PAYMENT NEVER RECEIVED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion had a glitch in the computer system causing all hard inquiries to be deleted off my credit report. TransUnion later added them back onto my credit report without giving me the legally required written 5 days notice prior to them re-adding the hard inquiries. I contacted TransUnion in good faith and asked to please have the accounts removed since they were illegally re-added. The Transunion rep then told me that I could not have them removed because I was not affected, even though my credit report says otherwise. The inquiries are a burden and hardship, My credit score is being affected causing issues with trying to take out a mortgage. My rights were violated by TransUnion. Can you please help TransUnion stop victimizing me? I 'm hoping that I am able to come to a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: CA
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:
These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to XXXX XXXX XXXX Account XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00}

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 non-monetary relief
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to XXXX XXXX XXXX Account XXXX or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00}

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 non-monetary relief
Consumer complaint received 2021-02-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Repeaditly calling all throughout the day while I'm at work. Leaving messages on my voicemail saying they are trying to serve me papers, leaving messages on my wife 's phone saying they're trying to serve me papers. They calling from different numbers so, I don't know what is what. I'm struggling right now in this pandemic so I'm in able to make a payment right now and it's really nerve wrecking. The calls come everyday. I check my credit report weekly so I know what I owe and who I owe. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022 Capital One withdrew/ stole {$2000.00} from my checking account without my authorization. Under the Fair Credit Reporting Act, banks, in this case Capital One are not allowed to take funds out of my bank account for my credit card balance. The codes specific to this are XXXX ( a ). It is to prevents this ( $ {$15.00} USC 166 ( h ).

There is a federal law that states that credit cards can not be offset. Federal truth in lending regulations prohibit a bank who is a card issuer from appropriating deposit accounts to pay debt on a card that it issued.

( 1 ) A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer.

Capital One Quicksilver Credit card is the company stealing bank funds without authorization. 
Ally Checking Account is where funds were taken from without authorization. 
The latest billing statement was for {$130.00} that was due on XXXX XXXX 2022. Something is definitely wrong when {$2000.00} is used as payment without my knowing. Capital One to my understanding is breaking a federal law that protects credit card holders. 
The problems stem from the higher levels where they allow and encourage these criminal activities to occur. This is probably not the first time Capital One has committed fraud and broke federal laws upon its customers and probably not the last

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. I never in my life had an account with XXXX  In XXXX, I was a victim of identity theft, I contacted XXXX and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX  XXXX has violated my rights as a consumer and Im requesting legal action to remove this account 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 2022-06-14
Company: AES/PHEAA
State: FL
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 need my income driven repayment information in order to complete underwriting for a mortgage. This information is not being sent to me which has opened me up to a potential breach of contract lawsuit in addition to losing my earnest money and survey, inspection fees. By witholding this information, my servicer is causing immense damage to me as I could be without housing should this sale fall through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: VA
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:
Experian credit report is showing account that is fraudulent. The collection account is in the amount of $ XXXX.The creditor is XXXX XXXX XXXX XXXX.Date opened XX/XX/2019. Address ID # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wednesday XX/XX/XXXX I paid Credit Acceptance XXXX to redeem my repossessed XXXX XXXX XXXX. I spoke with the redemption dept who set up a payment plan to bring the account current. The next payment was due XX/XX/XXXX in the amount of XXXX give or take a few cents. I was n't advised there 's no grace period and I made the payment on XXXX/XXXX/XXXX after talking with a representative that called me on XX/XX/XXXX explaining the arrangement is no longer valid and can not be reset even if I made the payment with them. They wanted to know why I could n't make the payment on time. I explained to rep ( her ) that " I stopped working XX/XX/XXXX. I had an unemployment claim already opened so when I reported my unemployment it was attached to the claim that expires on XX/XX/XXXX after which you have to file a new claim even if you 're are n't working. Well I started a job on XX/XX/XXXX so my new claim is only for 1 week of unemployment. After waiting 30 days for the claim to be approved I was told because I 've never received payment under the new claim, it wo n't payout the 1 week until I report unemployment again. That was {$500.00} I needed and was counting on to help catch up all my bills. '' I have never heard of a no grace period, no was it explained and there 's no paperwork explaining the repayment plan and the consequences. All these arrangements are done via the telephone. On XX/XX/XXXX I called Credit Acceptance to confirm the payment and was told by the rep that I have to pay XXXX every two weeks until the account is brought current. Right now the account is maybe 30 days late meaning I owe 1 payment. I asked to make a payment on XX/XX/XXXX which is my payday and he stated he can not make any arrangements past the date of XX/XX/XXXX I made the payment today for XXXX and they are still threatening to pick the vehicle up every 2 weeks. The only way to get back on a payment plan is basically let them pick the vehicle up and then pay the fees and costs for the repossession and I they will work something out for 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 explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: NY
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:
Good day, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and remove/delete the disputed items as soon as possible. thank you XXXX XXXXXXXX ACCT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
I have paid all my Citi account on time and want this history on my report. 
It is blank and considered negative. 
When I call Citi, they say they do not know what I am talking about. 
I give them the info off the credit report. 
The credit bureaus report it as potentially negative so it is holding my score down. 
I want the updated history that shows several years of being paid on time. Or remove 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
Consumer complaint received 2019-11-19
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:
Disputed a bankruptcy reporting on credit report. Credit bureau reported that they verified information. However, I contacted the company that credit bureau stated that verified information and was advised that not only did they not verify information, but they do not provide information directly to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: JPMORGAN CHASE & CO.
State: MD
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:
On XX/XX/2019 I ordered two items with my Chase/Amazon XXXX credit card from Amazon. I received only 1 of the items and spoke to Amazon, then Chase, and requested full credit for the item I did not receive. Both refused to issue the credit. 

In addition to this fraud, of charging my credit card for something I never received, I also have been defrauded by paying for XXXX  membership associated with this card. Conditions of XXXX membership advertise that any item designated as a XXXX item is delivered within 2 days of placing the order or the item is sent without charge to the customer. This did not occur. The same delivery vendor ( XXXX  ) delivered the second item in the order but failed to deliver the main and more expensive item in the same order. It is a book by XXXX XXXX and cost {$31.00} plus tax. Since Amazon likes to hide what it charges people for tax ( another of its many frauds ), I can only estimate that it charged just under {$2.00} for the tax on this book. So I requested a credit of {$33.00} for the missing book and both Amazon and Chase refused to issue the credit. Amazon, in the typical theft it is allowed to engage in with its XXXX credit card and membership fees, wanted to offer me a {$5.00} coupon for something I never received while charging me between 6 to 7 times that amount for the phantom item. Chase told me to call again tomorrow to provide the same information. I will not do it. I gave it the information, explaining in detail why the book was not received with the rest of the same order. I should not have to repeat all of this information for yet a third time, just because Amazon and  Chase have some mutually beneficial arrangements to defraud the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, I filed a complaint with Santander Consumer regarding how I make my payments. They only allow me to make payments talking to a representative. This costs {$10.00} a month. They have an automated system where you can pay less to make a payment but it has not allowed me to do this since XX/XX/XXXX. They stated it was because I had a return checks. I told them that I do not want to pay with a check I just want to pay with my debit card and it will not let me. The office of the president told me that this block would be lifted in XX/XX/XXXX to allow me to pay through the automated system so I can pay less fees. I still could only pay with my debit card, which I am fine with, but the fee would be substantially less. As of today, XX/XX/XXXX, I am still not able to pay through the automated system. I have to talk to a representative and pay the XXXX fee just to make a payment. 
I believe this company is ripping off comsumers by doing this, This needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am contacting you as Fidelity credit card has cancelled my account. Their decision was based on a theft that occurred. I had packages delivered to my front door which were stolen. I have a police report to prove that this occurred. Elan Financial has made several errors to my account plus made errors making payments for overpayments to me. 
The decision to close the account was based on the theft which occurred. ( I have a police report for this and the company has hurt me due to theft done against me ) I am having issues with the credit card company as they are now not treating me fairly and now being faced with several issues that they are not being fair. 

I'm going to be negatively impacted due to their closing of the account. I am upset as this will impact my credit 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 2020-01-08
Company: EQUIFAX, 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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: FL
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 AUTO Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX BANK Account number 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