BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
1. I have a USAA MasterCard. USAA wants to switch to XXXX. They have sent me notices that I can " upgrade '' to XXXX. I have responded that I do not want to " upgrade. '' 2. Reviewing my account on line, USAA has arbitrarily opened a XXXX account in my name. I do not have a new card, have not activated an account - but a new account is being shown as open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: OH
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 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 states a consumer reporting agency can not furnish account without my written instruction

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 2022-09-15
Company: EQUIFAX, INC.
State: OH
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 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 states a consumer reporting agency can not furnish account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX as of XX/XX/XXXX. 

Nothing happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The servicer refuses to review me for a loan modification due to my arrears bei ng three years pas t due. I have increased income for which I can afford to make my payments and the servicer is foreclosing on the property on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I attempted to ask the servicer to review me for a modification and I was told that they can not because I am 3 years past due and I am not in the military.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX XXXX/ {$730.00} / XX/XX/2022 XXXX  XXXX HOSPITAL/ {$230.00} / XX/XX/2022

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 2016-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I will like to file a formal complaint against USAA Federal Savings Bank with the Consumer Financial Protection Bureau ( CFPB ). USAA allowed the transfer of funds from my account without my permission and without timely notification of the transfer in accordance with its own policies and procedures governing transfers. On numerous occasions I tried to resolve this matter with USAA. However, as the detailed chronology attached will indicate, USAA failed to take responsibility and has attempted to absorb itself of all responsibility. Therefore, am compelled to file a complaint to seek relief. The relief being sought is to restore those funds that were transferred without authorization and pay the required interest. Any punitive damages legally mandated or part of any pending legal action against USAA are also being sought. For the record, it is relevant that I inform you that I currently reside in XXXX XXXX, XXXX, XXXX. Given that I am not residing in the United States, I specifically requested and it should have been noted on my account to follow specific security procedures before releasing any funds. This is part of the overall USAA policies and procedures governing the transfer of funds. Please refer to the attached " CHRONOLOGICAL OF EVENTS. '' In closing, this is a textbook example of the worst customer service responses to me a customer who had immediately notified them of suspicious activity on my account and requested that they take actions to prevent further breaches of security. USAA representatives did not take " reasonable and timely '' actions after I notified them. This is also a breach of USAA 's own policies and procedures. Even without notice from me, USAA was supposed to have sent email notifications to me asking if I had authorized these transfers/wires. This was not done. To complicate matters and to show either willful neglect or incompetence, after I notified USAA representatives of the initial unauthorized transfers, USAA neither took actions nor notified me via email or telephone of these unauthorized activities. Therefore, USAA is one hundred percent ( 100 % percent ) liable for damages to me.

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 2015-08-11
Company: CONDOR CAPITAL CORP
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
purchased car in XXXX from Condor Capital Corp. called on XXXX/XXXX/XXXX rep XXXX to request to skip a month payment and add that payment to end of loan. XXXX after keeping me on hold for XXXX minutes informed that if I paid {$370.00} they would let me skip the month -- he informed that supervisor advise. Not acceptable then I requested if I could make partial payments for two month -- XXXX informed me that was acceptable. then he informed me that I had two late payments from XXXX -- never received any notification -- did put in bill payment then cancelled because of no notification or dates. Called around XXXX that invoice stated that I had made a payment then added the same payment -- XXXX informed that he would correct and saw the mistake. XXXX paid {$45.00} for late payment due to the fact partial payments Paid {$150.00} on XXXX ; XXXX paid {$72.00} ; XXXX paid full payment {$440.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid late payment of {$45.00} In XXXX started paying {$440.00} very month. Received a certified letter that On my account # XXXX that I owed {$940.00} called on several occasions where did my partial payment go. No one was able to inform me. Requested a call from a supervisor -- " XXXX '' called when I was at work -- called several times never returned my calls. Received a letter on XXXX/XXXX/XXXX that my check of {$440.00} had not cleared. Contacted them immediately -- no help. Contacted XXXX XXXX XXXX they had to fax the information several times to a " XXXX '' the rep this time was XXXX she was going to send me a report on my payments. XXXX XXXX XXXX found out that they had cashed this check from bill pay then processed again for payment. want to know what happen to my payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX County Clerk of the Courts Office. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a public record for a unpaid tax lien for NYS through XXXX XXXX XXXX that I provided proof it should have been vacated and deleted. Experian did delete it- and now it has reappeared. I am trying to buy a house-and this is causing a tremendous financial strain- as it has made my fico score drop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My rent check with through on the XX/XX/XXXX and my direct deposit from my company went into my account at the same day as my rent check. Wells Fargo still charged me overdraft protection. I called Wells Fargo to find out what time my rent check was processed because I knew I would have money in my account. I got the email at XXXX on XX/XX/XXXX, that I had an overdraft, but my direct deposit was already in 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 2019-12-02
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased my vehicle in XX/XX/17. After it was totaled I pulled the contract and reviewed it. Line D - amount {$690.00} is the gap Contract and H - {$3300.00} is the XXXX Comp Contract which includes the gap insurance. I am charged for gap coverage twice. 
Additionally, I did not have the correct coverage for insurance. The lienholder did not ensure proper insurance coverage was on the vehicle. The car had gap coverage and I thought it had full coverage.

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 2020-03-30
Company: Experian Information Solutions Inc.
State: PA
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 had previously submitted disputes in regards to a bankruptcy being reported on my credit report. In those letters I submitted copies of my credit reports from all 3 credit bureaus with the inaccuracies and incomplete information on each one.They failed to acknowledge the documents I sent. They failed to show proof that the bankruptcy belong to me. The only keep providing a case number and the address of the bankruptcy court. I requested on numerous occasions to verify it belongs to me. I requested how they verify their incomplete and inaccurate information. I was told by one of the credit bureaus that they in fact get information from a 3 party source such as XXXX. Which under the FCRA they are suppose to gather complete and correct information from the furnisher which would be the Bankruptcy Court. None of the credit bureaus could produce the amount of money in my bankruptcy, my full name, full social security number and address. If I filed bankruptcy it had to be a reason right? I have to have accounts associated with this alleged bankruptcy. I contacted XXXX and requested them to show how they verified the bankruptcy. I was told by a representative of XXXX over the phone that they get their information from the Bankruptcy Court. I got a letter from Bankruptcy court stating they do not give personal information to third parties and I will attach this letter with my complaint.

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 2022-09-08
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 accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Collection Bureau of America Ltd.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It was very unfortunate that the person on the call from Collection Bureau of America was very rude to the point that he did not listen to the details. I am sending the details again for the benefit of all stakeholders. 
XXXX XXXX was supposed to provide a credit of {$50.00} as part of first time discount when we started the services. Numerous calls and emails ( see the attached email communication ) did not result in any resolution. On top of it, they stopped the water supply since last XXXX months which has caused great inconvenience to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX I went to XXXX, they asked me if I wanted a discount and I would sign up for a credit card. I never received my credit card or a statement of my charges. For 3 months I called them and asked for the card statement so I can make the payment, updating my address every time to the exact same address as they claimed that the reason I never got it.

It frustrating paying a bill when you can not see what you have been charged for.

3 months later they tell me they will take me to the collection agency if I dont pay I explain I would like to know what I am paying they say they cant tell me. They will send me a statement of course again I never get the statement.

They then call intimidating me that I have to pay right away over the phone even if I havent gotten a statement. They couldnt send it by email or mail.

I ask them to pay the full what I owe. I close the account that day. 

Now they have put a charge of XXXX dollars on my account that they say I owe as the bill when I paid was processed XXXX after and therefore they will charge me XXXX dollars and a fee of XXXX dollars. They are complete scammers. Theyve taken advantage of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I do not have a contract with XXXX XXXX XXXXXXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.

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 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Consumers should be able to freeze their credit for free on Equifax, XXXX and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made an agreement with Discover card over 4 years ago to be put on a monthly payment plan which would allow me to pay off my balance within 2-3 years and still allow me to keep my account open. However, Discover closed my account without notifying me even though I had not missed any of the arranged payments in over a year. I continued making payments because they told me they suspended charging me any additional interest as long as minimum payments were made. It has now been 4 years and although I have paid over {$2400.00} to date, I found out today that my original balance of {$1900.00} has only gone down to {$1700.00}. 

This is the very definition of fraud and predatory lending practices and I would like to get assistance to have the debt reported accurately as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The account was opened in 2017 while I was in basic training to join the military and I had no knowledge of the account, it wasn't until a ew years later when I realized it and tried to dispute it. None of the information on the account match my personal information, email, phone number etc. Last year without my consent they updated the information on file to match mine so that it looks like its up top date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions 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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX XXXX inaccurate XXXX  XXXX  XXXX XXXX inaccurate/no account COLLECTIONS DEPT OF VET AFFAI   XXXX {$0.00} inaccurate XXXX XXXX XXXX XXXX XXXX {$3900.00} inaccurate XXXX/XXXX  & XXXX XXXX {$130.00} inaccurate XXXX  XXXX  XXXX {$2500.00} inaccurate XXXX XXXX XXXX {$2300.00} inaccurate XXXX XXXX XXXX XXXX {$12000.00} inaccurate

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 2015-11-16
Company: First Data Corporation
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I had a dental practice which I terminated in XXXX 2014. XXXX Bank ( XXXX XXXX ) had set up a credit card swiper so patients could pay with their credit cards. When the practice was closed down, there was no need for their services any longer so I sent the swiper back to the leasing company, closed the account being used at the bank for automatic withdrawls, and thought that would be the end of it. Instead, the credit card processor used by the bank ( First Data Global Leasing of XXXX, Georgia ) has continued the harass me for the monthly payments even though they have been informed that there is no longer the business entity to make the payments. The lease was made out to the company name and was clearly a business lease and not used for personal use. My wife did not sign any of the documents but she is being effected by this constant harassment via telephone calls, mailings, etc.These people are loan sharks, plain and simple. I would hope that you can point out to them that their contract is now NULL and VOID.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. I do not owe for this debt. A representative from Credit Collection Services continuously called me and harassed me, and told me I will be arrested if I do n't take care of this debt. Credit Collection Services is in violation of the Minnesota Debt Collection laws and the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation