BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I paid the account for this XXXX credit card in full on XX/XX/XXXX. The XXXX statement showed a balance of {$2300.00} with a minimum payment of {$4.00} by XX/XX/XXXX. I paid {$2300.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as shown on the statement. I never received any notification that there was a pending amount for any interest. Why are they charging any interest if there were no transactions? There were no minimum payments due on the following statements until XXXX of which I was never notified. I spoke to XXXX in customer service who indicated the alerts were turned off on the account and that no one had tried to contact me. I did not receive any e-mails or statements to indicate I owed anything until a letter on XX/XX/XXXX which stated I owed {$11.00} ( I dont know what for ) but I immediately called USAA and paid and was assured the balance was zero. I check again on XX/XX/XXXX and it shows that I owe a balance of XXXX cents for who knows what since the account was paid-off and which I can not pay on-line. I again call and spoke to customer service and the charge was removed. However, USAA  has reported me to all three credit bureaus as being late. I was a faithful customer and never paid late. It was their fault for not sending me any notification and truthfully, what are they charging me if I paid the account in full, this is a scam against veterans trying to collect interest. I was trying to refinance my home and get a VA loan, but because of this account was denied as my credit score has dropped dramatically. I work very hard to ensure my credit rating is excellent. I pay all my credit cards on time which you can check, and I have never paid this card late. I want my consumer report fixed as this was not my fault but the negligence of USSA for not alerting the customer of these bogus interest fee charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I did not give consent for these inquires. These are unauthorized inquiries please delete immediately. Also, this late payment isn't correct. The company made an error, please remove late payment as it is inaccurate and hindering my ability to obtain employment and obtain a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: Account status incorrect

Complaint:
This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : Experian, XXXX and XXXX. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.

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 2021-12-17
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After updating all credit card billing address was thought to be complete, come to find out one of my credit cards billing address information was not updated. Learning months after we had moved that the bill for that particular credit card was being sent to our old address and not being forwarded to the new one. This has caused my credit score to drop XXXX points in 60 days. They will not correct the issue ( over a {$100.00} charge ) and I've lost my XXXX credit score. Only way I found out is my credit union that I have started an account with sent me a notification. Very bummed with chase and their lack of communication with this issue! Will definitely be closing all my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: TX
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 accrdance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 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 am account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a car loan with ally financial about 4 years ago, the car was defective and i tried returning it to the dealership within  1 week of pu rchasin g it, ( it still was under the warranty period ) th e dealer refused to take it back.i was forced to repair the vehicle out of pocket. I told ally financial the dealer wouldbt take it back and it was still under warranty they also refused to help me with this and forced .e to remain with the vehicle, pay the repairs and keep the loan.after thousands of dollars in repairs i voluntarily returned the vehicle to ally financial. Years laters they still send me letters to force me to pay. I provided all the information to all the credit reporting agencies and they have removed this loan feom my credit reports, but ally financial still harasses me for the money. I no longer wish that ally financial contacts me or send me letters or try to collect this from me. It was wrong for them to do this after i asked them to please help me return the vehicle while i still could and they refused. Please mind that the vehicle was sold in auction by them and they still want me to pay the remaining balance.

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
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 two occasions, two separate credit card accounts that had credits owed to me were hidden from my dashboard. I only became aware that funds were due me and that I needed to submit a request for payment when I inquired by phone. 

I believe this is institutional and deliberate, as the telephone customer assistance was unaware that these accounts were inaccessible to me, and unable to explain why that might be the case.

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 monetary relief
Consumer complaint received 2021-12-16
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account a couple of times and they fail to show proof of me owing any debt to them

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act  1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2022-05-02
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: Reporting company used your report improperly

Complaint:
The credit bureaus did not conduct A proper " investigation '' according to the FCRA the term " Investigative Consumer Report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. None of the 3 Credit Bureaus ( XXXX, XXXX, Equifax ) did A thorough Consumer Report Investigation to insure all information is complete, accurate and verified. I have included documented proof of inaccurate account balance, account open date, account date last active and date last reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I was disputing mistakes on credit report due missed payments due to life Financial hardship of losing my mother in XXXX ... I have been making improvements on making on time payments but they refuse to delete my missed payments that went into delinquent payments ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There is no authorization of Overdraft link between my Bank of America checking account and my Bank of America credit card account ; however, someone from Bank of America Credit Card account transferred an unauthorized amount of {$18000.00} from my credit card money to my checking to pay for checks of {$20000.00} as an overdraft on XX/XX/2020. I called Bank of America credit card representative to ask the refund of {$18000.00} to my credit card account on XX/XX/2020 because of an unauthorized. The representative filed a refund paperwork for me, then said the fund would be back in my credit card account in 3 to 4 days and a BOA letter would be sent to me explaining its resolution within 10 days. She also told me that there would be no charged fee related to this unauthorized transaction at all. I did not receive the letter as told. I called BOA on XX/XX/2020 and teleconferenced with BOA checking representative, XXXX, and BOA credit card representative, XXXX. XXXX and XXXX both confirmed there is no overdraft authorization link between my checking and my credit card accounts at all. XXXX told XXXX to submit the matter to his supervisor for resolving it, but his supervisor did not want to resolve it, he instead said BOA would send me a resolution letter for this issue within 14 days. I did not receive it. I called BOA credit card again on XX/XX/2020 and talked to XXXX, a BOA Specialist, about my issue. XXXX said the BOA checking side did not want to return the fund to my credit card account although BOA credit card side requested it on XX/XX/2020. She said she could not resolve my issue herself. She recommended me that I could write a letter to BOA in Florida headquarter to ask for resolving it or I could sue the BOA on the policy of NO RESPONSIBILITY FOR AN UNAUTHORIZED TRANSACTION stated in its VISA policy. I wrote letter to BOA headquarter in Florida about this transaction, and sent it on XX/XX/2020 but having no BOA reply at all so far.

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 2021-12-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/21 received text said FreeMsg CHASE BANK FraudDid you attempt a {$1000.00} $ XXXX YES or NO Case XXXX Top Opt out reply STOP I texted back NO FreeMsg : CHASE fraudDept THANKS! We will be contacting you shortly. 

They withdrew {$500.00} then {$400.00} through XXXX while I was on the phone with them he called me. 

I've contacted Chase Bank approx 10 times and have spoken to many managers. They say as it's XXXX they can not return funds to me. The claim has been denied two times. today they said they are putting it through 'third time as a courtesy ' but I said what's the point you are just going to decline me. It's XXXX this is my money to buy my kids gifts. 

I showed them the text and phone numbers of phone call origination, proof that I called the number back, then called XXXX after I found out I was tricked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23
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: Account status incorrect

Complaint:
The credit bureaus have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late

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 2017-04-20
Company: AMERICAN EAGLE MORTGAGE COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was not notified that my mortgage had been sold and transferred.

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 2021-12-16
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:
I am disputing public record which displays a bankruptcy. I disputed the bankruptcy with XXXX and received a response that the bankruptcy stays as reported. XXXX stated the information was provided by XXXX. I contacted XXXX and disputed the bankruptcy and XXXX removed bankruptcy from their file.

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 2021-07-21
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
CHRYSLRCAP Account Number : XXXX This is not mine. 

XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX I am filing this complaint myself I am not a third party nor an attorney. 
The reason for my dispute is -FINANCIAL DATA SYSTEMS # XXXX {$510.00}, -FINANCIAL DATA XXXX XXXX XXXX $ XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau XXXX XXXX in writing... under such section XXXX, subsection ( XXXX ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( XXXX ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( XXXX ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BYL Collection Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
collector wants to charge me for phone appointments that we never had. I do n't have any writing agreement with them. I refuse their services and they keep calling me to make appointments. then they want to charge me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-05-02
Company: SOUTHSTATE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My home mortgage was sold to a new lender. Before the sale, my payment history was 24 months on-time. Payments to the new lender began on XX/XX/2019. For XXXX months, the payments were on-time. In XXXX, my ex-wife and I separated and I moved out of the home. I provided my ex with the funds to make payments until we met for mediation. She did not make payment. I have the canceled check. We later sold the home and the mortgage was paid in-full. With the exception of this single item, my payment history is pristine. Now, XXXX years later, this item is negatively affecting my ability to buy a new home and has been costing me via higher interest rates.

Company response to consumer: Closed with explanation