BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have told USAA BANK for four years that I am the owner of the credit card they have in debt with me, that XXXX XXXX social security number XXXX, and bday, XX/XX/XXXX was only an authorized user for one and half years from XX/XX/XXXX-XX/XX/XXXX. USAA BANK has never been able to produce proof otherwise there for are breaking the law and caused hundreds of thousands of dollars in damage to credit issues and future issues. XXXX XXXX and myself also provided USAA BANK with idenity theft papers so theses are XXXX reasons XXXX XXXX should not be on XXXX anymore and ONE reason I should not be. Also note that XXXX removed USAA BANK CREDIT CARD from XXXX XXXX recently this company is acting illegally and causing tons of financial damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: KY
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:
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to All credit reporting agencies including  XXXX . They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on   XXXX   XXXX  . They again resent a letter explaining what a inquiry is. They have failed to respond t o two requests now to research and delete inquiries on my credit report that are inaccurate. T hese inquiries do not match any accounts on my account etc.     I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Acct # XXXX Upon investigation, I have retained new copies of my credit reports, they did not furnish the credit bureaus with the required disclosure in 30 days. Original letter dated XX/XX/2016, 2 subsequent letters have been sent. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. In addition, I have requested verification with my signature as required by FDCPA section 807-8 but they keep claiming validation of account. 

I reported them to the BBB and they responded that they reviewed their records and had no record of my XX/XX/2016. I forwarded a copy of the letter and signed return receipt dated XX/XX/2016. They acknowledged my second later and marked my acct as disputed more than 60 days after my initial request and they provided me with no documentation bearing my signature validating the acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I contact AD ASTRA RECOVERY SERVICES at XXXX to advise that I did n't apply for this loan. They confirmed with me that the loan was applied for in my name but the money was deposited in a bank account for XXXX ( XXXX ). I have disputed this with the collection agency as well as the credit bureaus and I am still dealing with this showing up as a debt. Per the collection agency I requested a payday loan. Then paid it back and requested another one. I have followed all of the steps needed to get this removed off of my credit including filing police reports and going as far to give the collection agency XXXX phone number and address. Please help me with this credit agency that is harassing me and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to XXXX issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to Transunion and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: WI
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:
There are numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete 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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There are numerous inquires that were not done by me. I submitted the documentation as asked by the credit bureau and they refuse to delete 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 2016-08-11
Company: ALLY FINANCIAL INC.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
1. I purchased XXXX insurance that was suggested by Ally Financial, however, my vehicle was not covered entirely by this insurance and now I have a charged off account on my credit reports. 
2. I may have a collection account on my credit reports because the XXXX insurance I paid for did not cover the gap between the purchase price or amount owed on loan and the value paid out by both the insurance company and the XXXX insurance 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 2016-08-03
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have XXXX XXXX coverage on my credit card account ending in XXXX. I tried to process a claim on XXXX. I was told by XXXX XXXX that my coverage was cancelled on XXXX. I received no notice of this. I was topld by XXXX XXXX to contact the card issuer, which I did. The card issuer told they had no information about this and to call XXXX XXXX. I call XXXX XXXX back and they tell me they have no information about this and to call the card issuer. Which i did again. The card issuer told me again that they have no information about this and to call XXXX XXXX. I call XXXX back again today, and they tell me the have no information about this..

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 2016-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
all current bills have been paid on time for a least a year. XXXX XXXX car loan paid off in full, some of my old accounts I am working on but there has been no significant change in my report, this is like watching paint dry

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 2021-01-18
Company: A+ Loans, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have paid this collection off the full amount with the promise of a pay go delete off of my credit report but its still showing, I want it removed from all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: KY
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:
On  XXXX   XXXX ,    2017  I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Credit reporting transunion agency has ignored my request on a disputed account and did not honor New York State law XXXX In addition Credit reporting agency listed account to be removed off credit report on XX/XX/2016 and did not remove.

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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to Transunion and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: WA
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 continues to report inaccurate information my credit report even after sending them supporting documents. For some reason Equifax did not remove it. I 'm a little confused here. How is it that the other  XXXX  bureaus removed the inaccurate information and Equifax did not? I thought they were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other  XXXX  bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
First of all, I was invited or referred to different potential lenders/loan companies, by different matching agencies. Upon deciding to go with that lender, I 'll always try to make sure, its a preapproval type process, and the lender ( s ) would also advertise such thing! At the end of the day, mostly all my acquire lending decisions or choices were thru ; those types of lenders, that offer such renditions! In addition to that, the lenders provided the credit bureaus, info that should n't had been part of the decided factor! For instance, you ca n't make me have, a history with mortgage rates/payments, if in my lifetime I never own my home! I always, and still is in the renting business ( From landlords or apartments managers )! But, mostly all lenders uses this excuse, to disqualify or disapproval purposes, and main reason for or behind their decisions! Since, when in this Country ( USA ), this type of stuff is or became legal? Something is extremely wrong, and insane with this picture, America! Nobody or adults in the earthly realm should be punished, and discriminated against ; due to not being homeowners, and lacking that type of history involvement! This is what I would label as stupidity, garbage in/out, deception, ignorance, and insanity stuck on XXXX, and at its worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Jim Bottin Enterprises, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ABC Financial  charge a {$20.00} " Insufficient Funds Fee ''. I called them the same day to offer an alternate form of payment since the credit card on file was reported lost. They refused to run another card on the due date and proceeded to charge the fee anyway. This company rips people off and hides behind fine print in a gym contract. I have asked to sign a new contract that eliminates the fee and they have refused. I do not believe what they are doing is ethical or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: KY
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:
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in   XXXX   day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
YOUR COMPLAINT I XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

List of accounts that must be removed according to the law XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have XXXX inquiries on my credit report that need to be removed according to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will file a lawsuit in federal court if my federal rights are violated by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: EQUIFAX, INC.
State: IL
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:
equifax failed to remove the following from my credit report can youi please look into it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX - Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, 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:
I sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: KY
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:
On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond t o two r equests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

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