BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XXXX USAA accepted an Power of Attorney from my exwife, then wife XXXX XXXX ( aka XXXX XXXX XXXX ). In XXXX, I became aware that while I was in the military XXXX submitted a power of attorney to multiple financial institutions including USAA. Upon this discovery, I claimed identity theft by my ex-wife as it was also discovered she had changed her identity in XXXX to evade detection by authorities and an Family Protection order to produce children to visitation. USAA refused to conduct an investigation based upon the determination that the Power of Attorney was " cut and pasted together and had multiple discrepancies of authenticity. The identity theft continues to cause damage to date. Although USAA provided a copy of the fraudulent document ; they refused to investigate the incident of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Verisk Analytics Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute letter to LCI Consumer Center under FCRA 611 ( a ) requesting verification for a Bankruptcy XXXX reported to credit bureaus, on XX/XX/2021, and on XX/XX/2021, and I havent received any response as of today XX/XX/2021. 
I am distressed that you are providing information regarding the questioned item, verified as accurate with thirty party credit bureaus ( XXXX, XXXX, and XXXX ) without completing an appropriate investigation and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate and complete credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
In the letter I sent to LCI Consumer Center on XX/XX/2021, I requested the following information : -Complete list of all documents and correspondence regarding the questioned item. 
-All names and contact information of employees that you spoke to as part of the investigation with date and time, so it can be used to find recording calls records if is needed by the court or general attorney. 
-Documents and explanation of how Lundquist Consulting , Inc received the public record information with complete information about me including, but no limited to, my complete social security number. 
Please be aware that I been disputing the public record with credit bureaus XXXX, XXXX, and XXXX several times and per credit bureaus and their correspondence to me the public record information has been verified by Lundquist Consulting Inc, I called the US Bankruptcy Court ( District of Nevada ) each time, after the questioned item have been verified as accurate per ICI and they have informed me that they dont verify or report information with anyone and they havent receive any call regarding a verification of the questioned information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Hello my name is XXXX XXXX. My complaint is regarding Victorias Secret and a denial for credit card. I received a denial letter, which I have the original documentation and pictures of it. The denial for the Victorias Secret store credit card indicates refusal of my submission for Victorias Secret credit card as No current record of completion of a 4 year college. IS THIS LEGAL? Please let me know how to move forward as I am a U.S, California born citizen, Im NOT on a school XXXX  program. How can I get denied for a Victorias Secret credit card when I have several years of work history and own my own condominium? 
Please advise @ XXXX or XXXX XXXX, XXXX XXXX in XXXX XXXX, Calif XXXX. 
Thank you, XXXX XXXX P.S. again I have photos and original documentation sent to me from Victorias Secret

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
Navy Federal Credit Union attempts to collect on amounts already paid while failing to update the tradeline or add that the debt was disputed previously. The bill with a due date of XX/XX/2022, was paid on XX/XX/2022, via certified mail return receipt requested Ref # XXXX XXXX XXXX XXXX XXXX for the full amount. XXXX has published that the tradeline was updated XX/XX/2022 in which the amount of debt is alleged to be {$2000.00}, while Navy Federal Credit Union reports an alleged amount of {$1000.00}. Both amounts being incorrect as the bill is paid as the post marked return receipt. Navy Federal Credit Union is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. XXXX is in violation of FCRA Section 611 Part ( A ) ( 1 ), by failing to respond to disputes or preventing disputes from occurring on their website and using deceptive means. I have a right to accuracy within my report and it must not be taken away by messages saying that I already disputed that account. Every time the account is updated without the statement or changing the amount is a violation of my rights and by law I am entitled to {$1000.00}. Navy Federal Credit Union has failed to identify the debt as disputed before I paid in violation of FCRA Section 623 and I am entitled to {$1000.00}. A demand for both of those amounts for the corresponding violation is made at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to finance several Things such as cars and loans and i keep gerring deined to the fraudulent activities on my credit report The Fpllowing Accounts are unlawful and have been reported without mt consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Am Requesting ALL OF THESE ITEMS BE EXCLUDED OFF OF MY CREDIT REPORT WITH MONETARY RELEIF FOR THE VIOLATION OF MY RIGHTS and the VIOLATION OF THE FOLLOWING USC CODES : 15 USC 1681 ( a ) ( 2 ) Exclusions 15 U.S Code 1692 ( I have the Right to Privacy ) 15 USC 1692 ( a ) ( c ) a debt collector must have my consent to report and according to FCRA and the FDCPA and for violation according to 15 USC 1681 ( i ) i am entilted to monetary compensarion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get copies of my free credit report from the 3 CRA 's for the past 3 weeks now from annualcreditreport.com but keep getting error messages when it tries to process my request through their system. 

All the information i provided was correct and accurate. 

The site suggested that i call in and have the reports mailed to my address, so i did that and still have not received anything. 

See attached.

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 2022-06-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have 2 employers listed that are wrong. Also 2 unauthorized inquiries that need to be deleted. Also there is a medical collection that is on my account that does not belong to 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 2022-06-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022, I XXXX XXXX sent via certified mail to Experian, XXXX and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. The letters were DELIVERED, sign and picked up XX/XX/2022, by each consumer reporting agency. 

XXXX immediately deleted all old inaccurate personal information and updated the report with the current information as I requested. XXXX soon followed. Experian on the other hand, has still as of XX/XX/2022, not deleted the old inaccurate personal information and updated it with the current information provided to them. You also lied and claimed that you never received any previous correspondence in regards my request. This USPS Tracking XXXX XXXX XXXX XXXX, clearly shows that you did receive the letter and signed for it. 

It is unfortunate that you must be so unnecessarily difficult in resolving consumer concerns. I am asking that you delete all old personal history and update it with the accurate and current information previously sent to you. Just the way I receive credit card offers and other mail for the previous tenants, is the same way I can have credit offers and other mail going to addresses where I no longer reside. Any scheming, scammer can steal my identity and use it as their own creating issues for me. Please delete the inaccurate information and send a report with the accurate updated information.

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 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX a checking account was opened in my name at Bank of America. 
This part of the email I received notifying me of this fraud Your new account is open Great news! The following account ( s ) are open : Bank of America Advantage SafeBalance Banking Account # : 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 2023-09-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
When my mom passed away in XXXX, I began the process of trying to address all her accounts and bills. I took her death certificate, her will showing me as her sole beneficiary and my previous POA into the branch on XXXX XXXX. The Manager at that branch said they wouldnt even review any of that paperwork. They wouldnt even send it to the legal department to review, as I could have forged it. I had all her statements and a safety deposit key. She had taken the key from me and was practically refusing to hand it back to me. Flabbergasted, I asked what Im supposed to do and she shrugged and said, Get a lawyer. 

So, at more cost than whats even sitting in those accounts, lawyer hired and Estate filed. This time, went to the XXXX XXXX. Was really hoping for better customer service and compassion. Spoke with XXXX at that location. Gave him a certified Death Certificate and Certified copy of the Estate Paperwork. 

He called me back a week later and said the legal department would not consider that paperwork as the Testamentary had an expiration date. 

My lawyer said hes never heard of anything like that. But, he wrote a letter requesting they assist me and allow us to close the accounts and safety deposit box. 

XXXX called me back and said the legal department has okayed closing the account. I said I would return Saturday to take care of it. He said he wouldnt be there but would tell the Manager to expect me and theyd have everything ready. But then said they dont think the safety deposit box exists. No record of it. Weird, since I have a key in a marked envelope Went into the branch, as we discussed. XXXX, the Manager, said they have no record of any of this and cant help me. Come back another time. I asked if they can just call their legal department to confirm approval to cancel the account. They said, They dont allow us to call them.

I have jumped through every hoop, at personal cost, to close her accounts. Theyre denying the safety deposit box exists and playing games. They are refusing to comply with legal paperwork. I have spent a lot of time and $ to get what they owe ; I shutter to think what they do to families who are grieving and dont have the same resources I do. It feels like a game where they hope Ill just give up and they can keep funds that dont belong to 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 2023-09-10
Company: Home Point Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Home Point Financial Corporation is {$300.00} over the amount my mortgage should be. They estimated the taxes at over {$4000.00} a year instead of just over a XXXX dollar. The mortgage was issued in XXXX of XXXX. I've been trying to fix this issue since then. It is XX/XX/XXXX now. I have called them multiple times, even waited a whole year because they said they were collecting the extra money because they were anticipated for the taxes to go up. This was a lie, and they still refuse to fix this issue. 

Home Point Financial is collecting money from me that I am not sure what they are using for, are they making interest on this money, are they lending it to others. Either way, they are getting free money to do whatever they want with it. If they are taking my money and not paying interest on it, I am sure they are doing the same to others as well. I XXXX ' think this company should be allowed to treat their customer as they treated me. This is the last resort. I hope others can learn from this so they make other choices when selecting a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Frontline Asset Strategies, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My final payment was made to XXXX  on XX/XX/2023 in the amount of {$130.00}. I called and closed my account on XX/XX/2023 and was informed by the representative that I had paid my balance in full and didnt owe any other payments. 
I received notice from XXXX that my score has been impacted because I had a bill sent to collections by Frontline Asset Strategies. I called XXXX today and spoke with XXXX ( reference # XXXX ) who informed me that I should have received a final bill in the mail in the amount of {$830.00}. I informed her that I had proof in my e-mails that I was registered for paperless billing so I should have received an email for that bill instead of postal mail. 
Not only was the final bill sent to the incorrect address but I was also never notified that my bill was sent to collections nor did I receive any form of communication by the collection agency that my bill was received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name... XXXX XXXXXXXX XXXXk Account NumberXXXX XXXX 
Account NameXXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX XXXXXXXX Account NameXXXX XXXX XXXX XXXX Account Number.. XXXX Account Name XXXX XXXXXXXX XXXX XXXX in Account number... XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXXXXXX Account Name XXXX XXXX  untitled Account NumberXXXX XXXX XXXX XXXX XXXXXXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 A. State, I have the right to privacy.

15 u.s.c. 1681 section 604 A. Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information/ other than records of conviction of a crimes antedates the report by more than seven years.

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

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy..

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 2023-09-09
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or around XX/XX/2023, I paid my account in full to pay off the account, XXXX balance. Comenity Bank reciprocated by dropping my credit line from {$2200.00} to {$200.00}, so I called into customer service, talked with XXXX and closed the account. XXXX confirmed the closing of the account with an email. Comenity Bank now states that I am behind on my bill due to complicated way of charging interest ( this is the exact wording from the customer rep who would not identify herself ) and I owe them money. I refuse to pay this money until they show me there was any reason to charge me interest on a XXXX balance account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
PayPal platform does not inform you that they have placed a hold on your account clearly and misleadingly allows you to send an invoice to your client and receive payment in their system, then not allowing access to the funds. Further the system misleadingly shows funds are " available '' and when you try to transfer to your bank, it only says " Sorry, somethings not right. Please try again later. " At no place it says that if you would send an invoice the funds would be not available until you resolve their issue. Nor it says that funds are limited. You have to search deep down the portal to find a small notification that there is a request to update information, which is not even clear how to do for a normal person. PayPal mislead us that we can invoice our customers and doesn't disclose clearly that funds might be limited. Then when submitting the answers they take 5 business days to answer, and if you didn't get it right to their liking - there is no-one to ask for advise as customer service says they have no access to the case or to any information and its handled by " an internal department ''. Each round of communication takes 5 business days and all this time you have funds frozen - that is damaging your small business. You can not pay suppliers, purchase inventory or even refund the funds to your customer! Very damaging to small starting entrepreneurs or businesses. When trying to tell the only customer support that is reachable on their 1-800 line, they say the company is too big to change anything in their procedures, nor will they care as they have XXXX customers and one customers problem is not going to make a difference. Well here I am a small business customer whose business is being damaged by misleadingly allowing to invoice my customers and having funds held for weeks, without a clear solution and this all only due to a small fix in verbiage of their own service description that would not need to be taken to the level of freezing our income source for over a month should the company have user friendly attitude and care for their customers. We feel robbed and held hostage and loosing our reputation towards our customers as the orders can not be fulfilled on time due to PayPal holding our funds and have no clue how long it will take them to release our funds.

Company response to consumer: Closed with explanation