BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: SC
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 the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts 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 explanation
Consumer complaint received 2020-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I WAS TOLD THAT THIS ACCOUNT WAS GOING TO BE REMOVED FROM PRA! Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: EQUIFAX, INC.
State: MO
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 recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my Equifax, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit card
Issue: Billing statement

Complaint:
I have a credit card through USAA and the Master Card payment can be done online. I made a payment and I was charged XXXX thus leaving me with a {$1900.00} and change credit which subsequently created an overdraft because I also have pulled {$6700.00} out to buy a truck. I have been speaking to several respresenatives XXXX, XXXX, XXXX, XXXX and a few others I can not remeber and still can not seem to get a hold of anyone who can give me a straight answer with realistic expectations. I 've ask to speak with management and was then transferred to USAA 's Executive Resolution Team who still couldn'y help. I asked to just speak with a manager and was told that was a 24 hour wait time, I suppose because at my point I 'm extremely irratated. I believe if USAA has the ability to accept an electronic payment or take money out of your account under their direct payment options, yet they claim they can not reverse the payment. So if an error is made regardless of the facts or situation, the customer will have to wait XXXX to 10 business days to be refunded the money. So fortunately I have savings, but what happens to the individual who gets this error and they do n't have money in the bank? {$1900.00} is many families two week take home pay check and USAA believes families can just skip a pay check! Worse during this process USAA has called " today '' and told me the card was compromised and has been locked so I can not even use the card to get the credit off the card. Lastly my bank charged me an over draft fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i called in to open a checking account with USAA back in late 2015, whne i was told that i already had a account with them. I told the Rep that i have never opened a previous account with them, so she ask me some personal info to verify what she had on file. the info did not match so she changed it to my current info so who ever was using the account could not continue to use it. i later contacted the fraud department about the discovery conducted a investigation. they gave me a call about a week later stating that i a am still responsible for the negative balance on the account since the infomation matches. i told them that i just updated my info with a customer service rep eariler. i have been trying to resolve this for quite some time but USAA is cooperating at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Financial Assistance Inc
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by a female representative of Financial Assistance Inc. The woman was pushy and used the tone of her voice to try to convince me that I agreed to pay her or her company in 2019. She asked when I would start payments because my credit would be affected. I do not have a contract with this woman or her company, and I have had to block the number for calling at odd hours and either mumbling a message on voicemail, or just letting the call go to voicemail, and say nothing. I have mailed a certified letter to the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two issues regarding the account closure of my Bank of America Premium Rewards credit card with account number XXXX  on XX/XX/XXXX.

1. I had a balance of XXXX bonus points, which is equivalent to {$7.00} after making purchases prior to account closure. The company refuses to transfer those points to my account after it was closed.

2. I paid an annual fee of {$95.00} when I first obtained the card in XX/XX/XXXX. Because the was closed after approximately 6 months, I requested the bank to pro-rate the annual fee since I was not able to enjoy the card 's benefits for a full year.

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: EQUIFAX, INC.
State: CA
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 pulled a copy of my credit report on XXXX, and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX XXXX which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: TX
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 'm writing once again because once again my inquires were n't removed off my report. I did n't authorize for my credit to be ran and I want these inquires removed immediately. I feel like I 'm getting the run around and I 'm tired of it. I also placed a fraud alert on my credit because of this matter.      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  and  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

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: EQUIFAX, 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- Equifax XXXX XXXX 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. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Roycroft Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Central Mediation Services .... I get phone calls from  XXXX  and they say they need to " serve me papers '' by  XXXX  on Wednesday  XXXX   XXXX . They started calling my work number on Monday  XXXX   XXXX . I asked them not to call my business number. She,  XXXX   XXXX  or  XXXX   XXXX , called again saying she needed to serve me. They left a message on my cell number to call  XXXX . When I call the  XXXX  number the line just beeps. When I call the  XXXX  number a difference individual answers each time, they do not say the name of the business and then are very ugly and state they do n't call and they outsource their calls and always get hung up on. I spoke with  XXXX  and  XXXX  at the  XXXX  number. My husband and I have both explained they are violating the law and can not call me at work and to serve the papers if that is what is needed. They called again on Tuesday and then today called several different people in my company stating they need to know how to go about serving me at work and they need to talk to HR and my supervisor. They called a bout 20 t imes. I asked them again to quit calling and  XXXX  stated they have the right under the FDC to call and when I asked for a supervisor I was hung up on. They would not divulge who the " outsource '' person was. At this point I am being harassed and I called The Federal Trade Commission and they stated it sounded like a scam but they can not file a complaint without a company name. This is going to cause problems for me at work. Any help you give would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have provided documentation to citizens bank that a charge from my credit card was false. Despite several conversations with the dispute department where they acknowledged the receipt of the documentation, they failed to respond in writing and failed to resolve this issue in their allowed time.     I filed a complaint and was contacted on  XX/XX/XXXX    by  XXXX   XXXX  of citizens bank who told me he would investigate this matter and " make me whole '' Since this call I have received numerous calls from citizens ' bank dunning me for a minimum payment. I explained the situation to the first collection person and gave them  XXXX  's phone number.     This did noting as I have received several more human and robo dunning calls.     I have left several messages on  XXXX  voice mail telling him that I am being dunned and he has not returned any of my calls.     I think that such collection calls and the failure of Citizens to resolve this issue as mandated are clear violations of consumer law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: NJ
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 been trying to dispute an account in collections that is reporting inaccurate information/amount owed to Equifax. I have a document that shows there is a discrepancy with the amount reported, Equifax agents agreed over the phone on different occasions ( Last conversation over the phone XX/XX/2022 ) that the amount reported is wrong, but they refuse to remove the information. This is after a formal dispute has been filed online. Amount reported to Equifax is for {$2700.00} from XXXX XXXX XXXX XXXX. The Document provided to Equifax shows {$2400.00} from XXXX XXXX XXXX XXXX. Last dispute to Equifax was submitted on XX/XX/2022. Investigation was completed by XX/XX/2022.

Company response to consumer: Closed with explanation
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 ) - 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 ). 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: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Commonwealth Financial sys tem has placed  XXXX  negative items on my credit report. I 've reached out to the company several times. When I called with the account number they refused to speak with me unless I give them my social security number and date of birth.   Which will allow them to update the information. I refuse to provide the information.   This account was generated by  XXXX  Hospital. A place I 've never step foot in. They have threatened me by saying they will have me served on my job. Garnish paycheck.  O  ne representative stated I was a liar, and I need to pay the bill.    The date open is  XXXX   2016 r eported as collection  XXXX     2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We are responding to claim number XXXX that was filed in reference to Bank Of America, ... we are responding to there response .... BOA claimed that when we filed our Chapter XXXX Bankruptcy in XXXX that was changed to a Chapter XXXX in XXXX XXXX and was Discharged in XXXX/XXXX/XXXX BOA stated that we did not reaffirm the debt, the debt was reaffirm in both the Chapter XXXX & XXXX XXXX case, in fact BOA did a modification in XXXX XXXX but did not record the lien until XXXX XXXX ... ..we was in the process of refinancing our loan with another company and found out that BOA never perfected the first loan and the only loan that is showing is the modified loan, BOA sent out a history of payments to the credit Bureau incorrectly by showing us over 30 days past due starting XXXX when they got the loan from XXXX XXXX XXXX XXXX and never gave us credit for our 3 payments that was sent to XXXX XXXX XXXX XXXX even when XXXX XXXX sent them a copy of the transaction along with a letter stating that the payments was received by XXXX XXXX XXXX XXXX XXXX we never got our credit on the old account and never got our money back from the payments ... Boa also reported that we was over 30 days past due during the Bankruptcy and up till XXXX XXXX when the old loan that they reported on was closed in XXXX XXXX and the new loan was modified XXXX XXXX and that loan should be showing at the credit bureau, we are requesting that we be given back our 3 loan payments since the loan has been closed or that the three payments be place on the modified loan ... and that BOA correct our pay history with the credit bureau.. also how can a loan that never was perfected, be able to be modified ... If needed, I have all my documents to prove everything above.. only my fax is working at this time and if any documents are needed I will be more than happy to fax it.

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