BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a customer of USAA for several years. I went through a divorce in  XXXX  and with the loss of income, I was unable to pay my bills in a timely manner. I had a vehicle repossessed b y USAA an d I was responsible for the remaining balance after an auction and a credit card.     Unfortunately, this is where I do n't have a lot of details such as amounts, account numbers, etc. due to moving my home twice since. These debts were moved to a collection agency. I set up a settlement agreement with them and they withdrew {$250.00} a month from my account for I believe 36 months. This was to settle both accounts although I do n't know what amounts were being allocated toward repayment of those accounts. The last payment was withdrawn in  XXXX   XXXX .     In  XXXX   XXXX  I began to receive phone calls from a collection agency regarding this same debt. I advised it had been paid. I then contacte d USAA  directly and they told me that my years of payments were NOT a settlement but only payments toward the debt. I KNOW it was a settlement agreement. It was all I could afford after my divorce and after many conversations with that collection agency, it 's what we came to an agreement on and I made every payment faithfully. I kept my side of this agreement. I have copies of the payments to prove it from my bank.      USAA  disagrees and is now reporting these balances to my credit reports as 90+ days past due with interest accruing monthly.     This entire situation is in clear violation of the fair debt collection act and I need this resolved. These accounts are paid, albeit for less than the full amount, but they are paid. I nee d USAA to  update their information and report accurately to the credit bureaus so I can continue to rebuild my life. The delinquencies from the period of time I was repaying this is accurate and will remain on my credit report for 7 years, however, the debt is settled for both  USAA a ccounts.     Please, I need the CFPB 's assistance in helping me to resolve this as attempts on my own have fallen on deaf ears.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Van Ru Credit Corporation
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection beacuse I have not paid to   XXXX   XXXX   and They pass the account to Van Ru Credit Corporation. I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  After paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the letter from  XXXX   XXXX , which is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost  four  times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help

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 2017-04-24
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX  ard in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.

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 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: MD
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:
XXXX   XXXX   has not recognized the charges I filed as fraud yet. I sent them a list of charges circled in my statements and they are saying they deny the fraud claim. THeir reason does not prove anything. They say reasons that are not even true. I need to re open this dispute and have my fraud charges credited back to my account NOW.      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 2021-12-15
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
An unauthorized transactions on my credit card account for {$4300.00}, {$230.00}, {$2800.00} & {$590.00} and Chase is making me to liable for it. Please reach out to me at email XXXX or at my cell XXXX XXXX XXXX. 

These international transactions from XXXX. When these unauthorized purchases happened. Chase reached to me on XX/XX/XXXX at XXXX and I told these are not my purchases and asked them to reject the purchases and close my credit. 

Chase, sent a letter on XX/XX/XXXX and that they have credit funds back to my credit card account. 

In XX/XX/XXXX, Chase sent me a letter to pay check the {$8000.00} as these transactions are valid. I called Chase and explained them to refund the back credit but they did not do and every month Chase is collecting over XXXX XXXX interest and apart from minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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:
XXXX XXXX had asked Equifax to delete XXXX but they still continue reporting. Attached office XXXX XXXX. Please look up all the disputes I had submitted for the same issue. Do your job, no only do it, but DO IT RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are items on my credit report that aren't mine.

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 2019-12-21
Company: Experian Information Solutions Inc.
State: NV
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:
There are items on my credit report that aren't mine.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 to the Fair Credit Report act XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance to the Fair Credit Report act Credit one bank has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: OR
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:
On numerous attempts to receive my credit report online at https : XXXX Experian notifies me that my credit report is unavailable and to mail in a request for the report. Both XXXX and XXXX provide their reports but Experian 's is not available. What gives with this denial of report? Isn't this a lawful requirement to provide online? 
Also, this isn't the first time I've filed a complaint with cfpb without receiving a reply! 
I'm guessing others are having the same complaint. 
Are you just another do-nothing government bureaucracy? 
Please respond.

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 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Sent letter to transunion asking them to remove certain personal information off my credit report such as incorrect addresses and any accounts associated with them as they are fraudulent. I got my response back on   XXXX   from transunion showing that none of the personal addresses and accounts were removed and the information i requested they investigate was not done at all. instead their response was dispute information updated or verified as accurate yet i asked them for their method of verification and what was updated and verified. I do n't believe anyone or at least a human person even looked at my letter because i do n't know what was updated or verified as none of this is clear and simple to understand. looking over my report its obvious there are things that are clearly incorrect and not accurate. I would  hope  that the CFPB can knock down the doors at transunion and ask them to do their jobs and truly clean up the errors on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Received my Dispute results Transunion states they Verified the items I was Disputing. How? Its in Black and White that it is inaccurate information. XXXX XXXX. XXXX  XXXX. XXXX is the Same Debt its Charged off and Closed. XXXX XXXX is Reporting the Same Debt in Collection XXXX. Transunion states its accurate. This is false information and a Violation against the FCRA

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 2017-04-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My Nevient loan is paid in full. My studentloan.gov balance and the Dept of dept of edu says I 've paid off my loans years ago and all of a sudden they are pulling money from my pay checks. I have an  XXXX  son. I 'm a single mom. Low income. I have letters from the department of education congratulationing me on paying off my loans. I have a check for over payment on my student loans. Etc. this is outrageous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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:
It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. 
It seems that a new account not belonging to me is appearing every few days.

There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.

I have not placed requested for credit and my account has zero inquiries. Id like to know how your company has added credit accounts to my report that do 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 explanation
Consumer complaint received 2022-05-01
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: Information belongs to someone else

Complaint:
Equifax illegally added a medical creditor to my file that I have no association with oncesoever. This is NOT my account. They promote that I can dispute it online but when I try to follow their instructions their website says my password is wrong. When I reset the password using their instructions it still says it is wrong. I can not log in. Their support just tells me to wait x hours every time. This is going to effect a closing IN PROGRESS and I will sue everyone involved if it does. 

XXXX XXXX Last reported XXXX XXXX, 2022 {$150.00} Open balance XXXX  XXXX XXXX  XXXX Original creditor THIS IS NOT MY DEBT I LIVE IN FLORIDA I DON'T LIVE IN ARKANSAS I NEVER LIVED IN ARKANSAS! I HAVENT BEEN TO AN EMERGENCY ROOM IN 20+ years AND I have HEALTH INSURANCE to pay this XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony Bank and TJ Maxx rewards card. Have fraudulently placed a cease and desist on my account. This prevents me from being able to make a settlement with them. This cease and desist is nonsensical because the representatives claims that I would not receive statements from them or any information although I have been continuously contacted by them via email. And I spoke with synchrony in XX/XX/XXXX about another account I had with them. If this was the case I would have never been contact by synchrony. In addition during the call they kept requesting that I verify myself even though they had already spoken in depth with me about the account and the options for the account and already had read to me " this is an attempt to collect a debt '' they verified my name. My phone number was verified already in the system. I had verified my social security number already and after explaining to me EVERYTHING about the account. they then want my social security number in order to tell me the account number.

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: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and 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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I give authorization for XXXX XXXX to move forward with this complaint. This account is currently in litigation in a Federal Court suit against XXXX XXXX XXXX. The account went to litigation due to a billing error that was ignored by XXXX XXXX. The account is being reported as late to the credit reporting agencies despite the fact that the entire balance of the loan is in Billing Error status. This is an adverse action and defamation and an extortionate act against the Federally Protected CONSUMER. The consumer is awaiting the courts signed summons to issue to 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 non-monetary relief