BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: LA
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 submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: LA
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 submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. They have failed to present me with proper documents that show their method of verification. They also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONXXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2017-04-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I 'm writing to complain because some of these inquires were removed from my credit report and then put back. There was a glitch in the Transunion 's system inXX/XX/XXXX and the inquires that were deleted got add back to my report and I want them removed. Also some of these inquires I did n't authorize at all. The inquires that were add back to my credit was. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX The inquires that I did not authorize is XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( I only authorized them to run my credit once but two inquires are showing up for the same day ) XXXX XXXX XX/XX/XXXX and XX/XX/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 2016-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX XXXX ; XXXX ; XXXX ; USAA issued me a credit card 13 years ago. On the anniversary of the card USAA sent me a bill for the renewal annual fee ( {$29.00} ). I had n't used the card in years ; it had a zero balance ; and I called the company and cancelled the card. The rep acknowledged that the card would be cancelled but that I had to pay the annual fee. The fee was prospective, not retroactive, and I objected to paying a fee for a card I no longer would have or use. They threatened to adversely affect my credit rating if I did n't pay. I think it 's an illegal fee.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/XXXX, I contacted USAA to close my credit card account with a credit limit of XXXX revolving limit. Upon pulling my credit report on XX/XX/XXXX I was shocked to find the account still active. When contacting the organization, there is no answer to why it is still open. Nine months of thinking my account is closed, and there is XXXX now sitting out there as revolving credit. 

I feel this misstep, failure to close, or failure to listen to the customer not only benefited the company ; but placed a negative impact on my credit worthiness. According to my USAA website, thru XXXX, one of the four factors lowering my credit score was, " Your largest credit limit on open bankcard or revolving accounts is too low - XXXX accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended - which are triggers for higher risk. '' This reflects the card I thought was closed. Currently my credit report states {$45000.00} of credit, approximately 45.2 % of that is USAA 's card. 

This lack of accountability and systems that provide for customer protection and service is incredible. As a 26 year member of USAA, these actions only demonstrate their lack of compassion for loyalty. I request a written response to this, specifically laying out the failures within USAA. While I do not think I am the only one this failure happened to, I would be interested in how many accounts were delayed or failed to be closed that benefited USAA? This borders on fraudulent accounts utilized for increasing profits for the organization at the expense of the customer, in my opinion. 

Also, I filed a written complaint in XX/XX/XXXX against previous banking processes. I would like to know if this 'failure ' was repercussion for speaking out? Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: NC
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:
Mortgage shows late and it was on a COVID forbearance. It should have never been reported as late and to do so is illegal. The mortgage company knew it was in forbearance and has since been brought current. It has been corrected on all of my husbands except for transition but all three credit bureaus are showing the mortgage late under my social security number and credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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: Credit inquiries on your report that you don't recognize

Complaint:
There have been unauthorized inquiries made on my report under my social security number and I need the removed based off the fair credit reporting act I have the right to have them removed. 

XXXX Personal Loan Companies XX/XX/XXXX XXXX  XXXX XXXX  Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous Sporting Goods XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX  Bank XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion

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 2015-05-25
Company: Byrider Franchising, LLC
State: OH
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was not able to finance a car through CNAC without a co-signer. I purchased a 2006 XXXX for {$5000.00} above blue book value ( {$12000.00} before taxes and interest ) due to not having a credit history, with a cosigner. I made all payments and on-time, I was never late. I had a life crisis and took the car back and it was a voluntary repossession. They then let my cosigner buy off of the contract, which did not credit towards the debt, and then sold the car at auction for {$120.00}, leaving me to pay {$9000.00} on the car still. I ca n't believe that there is n't a law preventing companies from " screwing '' someone this badly. I was a responsible borrower who kept to the payment plan exactly and when disaster struck, I tried to make things easier for everybody by taking the car back before I moved out of state, just in case I would n't be able to make payment. Not to mention, they told me that if my situation turned to the better before it was sold that I could pick it back up and continue where I left off, and I was able to make my next payment, but they would n't allow my cosigner to pick the car back up for me before they sold it, due to " the person managing the account is on vacation. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had to open a US bank reiacard to receive Unemployment payments. First issue came about a month later when I attempted to make to second transfer of funds to my local bank, JSSB. The first time I transferred, there were no issues. Now I have my account locked and funds frozen. I called the customer support on the card and spoke many times with someone who explained to me that I needed to verify my Identity. This was started XX/XX/2020. I have faxed over the appropriate information that was asked of me. After 10 days, I called again and they received nothing is what they said. I have sent them over again on two other separate occasions. But now I'm wondering if I was even talking to the right people and had sent over my copied valid drivers license. No one has been able to give me an answer. I call and ask to speak with someone and get deliberately hung up on. Would like to know what is going on and how to access my funds and accounts. I need that money, I have bills to pay. PLEASE 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 explanation
Consumer complaint received 2022-08-03
Company: American Credit Acceptance, LLC
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I purchased a used XXXX XXXX  XXXX vehicle from XXXX that was financed through American Credit Acceptance On XX/XX/XXXX. I made monthly payments on the vehicle until XX/XX/XXXX at which point I took the vehicle in to a dealership to trade in towards the purchase of a new vehicle. In doing so, I as well as the sales team contacted American Credit Acceptance numerous times attempting to get a payoff balance so that the value of the XXXX could be applied to my new loan, and I could be credited for the trade in. Not only were we given numerous different totals, but every instance of trying to call in the payment was met with being placed on hold until we gave in and hung up. The dealership ended up securing funding for my new vehicle without the trade in value applied and sent me on my way. I was called twice after by American Credit Acceptance in an attempt to take my monthly payment, and both times asked to be given a final payoff amount to no avail. Eventually American Credit Acceptance repossessed the XXXX XXXX with many of my belongings still inside, and from what I am told, sold the vehicle at auction, and placed an account into collections against me for a random amount of money. They have made it so that there is a collections account on my credit report for over {$4000.00} due to some XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently disputed the information showing late payments because it was affecting me from getting housing. However I have been 30-60 days late due to recent separation/divorce. Now XXXX XXXX is reporting that I have missed payments all the way back from XX/XX/XXXX. This information is inaccurate. And I would like for the inaccurate information to be removed. I have proof that I havent missed payments since XX/XX/XXXX. I will reach out to my bank to get proof of payments from XX/XX/XXXX to XXXX XXXX. I will attach XXXX till now.

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 2017-04-26
Company: Advanced Professional Group
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on  XXXX  but they said it had to be in  XXXX . Someone from APG called and blocked their # and said call  XXXX , they were with  XXXX  County and were going to serve me with papers tomorrow between  XXXX  and  XXXX  and I must have a valid government issued ID. I called  XXXX   County Courts ( Civil and Circuit ) a nd asked if they had any cases with my name, they both said no. I called the  XXXX  number and asked who it was they said APG, I asked why there were representing themselves as  XXXX  County and they said they were retained by   XXXX   XXXX   but now the case has left their office and I better pay   XXXX   XXXX   before they take further legal action. I 'm sure I have paid them way more then the original principle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX. Is continuing to report. Debt on my credit report and has failed to send a statement validation of the debt, the charges that were and to whom. I have sent many time requesting this information including a previous complaint through CFPB and they claim to contact the original creditor and obtain validation that the debt. I have contacted the original creditor and they do have any information on the account XXXX XXXX aka Care Credit and referred me to the debt buyer. I need this information so for reasons the orginal creditor has taken payment history off my credit report recently and should be removed because it inaccurate and the collection agency should be removed because they have no information to provide me. For example, I 'd like to know the last time the card was used and the amount and how many payments were made, and why after the last payment was made did the creditor charge off the account after I explained my checking account was compromised by check fraud and I provided a new account # for payments to be withdrawn auto pay. I am asking for both companies to send documents to verify the amount and payments made, because there was a refund issued to the account and was not applied and over {$320.00} dollars of the {$770.00} balance is interst fees illegally added after the account was charged off. So with the refund by the animal hospital and the interest charges and the last payment I made and the account being charged off the following month both companies are in violation of my rights. I want then removed from my report as well as I want to seek monetary damages because of violating my rights under the Credit Transaction act as well as FCRA as the collection agency never sent a document allowing me 30 days to dispute the debt back I 'm XX/XX/XXXX, and XX/XX/XXXX in a dispute I received a handwritten statement and illegible piece Paper that only showed an amount, not a statement from " care credit " Recently Care Credit erased the date and amount the of last a payment and deleted the account late for 120 days in XX/XX/XXXX and 120 day in XX/XX/XXXX which I explained to XXXX this did not make sense.

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