BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a personal loan of {$4000.00} to pay off some bills. I have been a customer of USAA Bank XXXX XXXX XXXX. XXXX XXXX, TX XXXX for over 10 years. They gave me a interest rate of 11.99 %. The following are transactions since acquiring the loan. I'm making extra payments on the principal to reduce the amount of interest charged. There is no penalty for paying off the loan early. I noticed that instead of reducing the amount of interest charged it's increasing the amount of interest with each payment. Paying more interest on a decreasing principle doesn't make any sense. 

Date Description Amount Principal Balance XX/XX/XXXX PRINCIPAL {$79.00} {$3400.00} XX/XX/XXXX INTEREST * {$60.00} {$3400.00} XX/XX/XXXX PRINCIPAL {$140.00} {$3500.00} XX/XX/XXXX PRINCIPAL {$96.00} {$3600.00} XX/XX/XXXX INTEREST * {$43.00} {$3600.00} XX/XX/XXXX PRINCIPAL {$100.00} {$3700.00} XX/XX/XXXX INTEREST * {$34.00} {$3700.00} XX/XX/XXXX PRINCIPAL {$100.00} {$3800.00} XX/XX/XXXX INTEREST * {$30.00} {$3800.00} XX/XX/XXXX PRINCIPAL {$4000.00} {$4000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: VA
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:
After receiving my consumer report from Experian, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, Experian is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Experian willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Experian is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.

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 2020-10-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I purchased an item from XXXX  XXXX  in XXXX VA, in the amount of {$200.00} on XX/XX/2020. The item was not as described, I called the merchant and told them about my problem and they stated no refunds. I called my Financial Institution twice to ask for help on getting my money back and they stated they couldn't help me because it was a face to face transaction and closed my case without reasonable investigation. I received no request for additional information nor a provisional credit while they investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THESE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQURIIES REMOVE OFF MY CREDIT. THESE INQURIES ON MY CREDIT REPORT ARE NOT LIABLE 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 2021-03-11
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: TN
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : Employer : XXXX  XXXX, TN Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Inquiry : XXXX  XXXX XX/XX/XXXX Collection : XXXX - XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX  XXXX XXXX XXXX XXXX, TN XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Collection XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started calling Chase Bank on XX/XX/XXXX, to retrieve a copy of my XX/XX/XXXX Mortgage Interest Statement. I have been given the run around and as of today nothing has been done. I have n't received any call back which I have called XXXX times now. Each time I call, I get someone new with total different information. I fax a letter to the XXXX XXXX XXXX on XX/XX/XXXX, regarding my compliant with his executive office and bad customer service I have experience with a month now. I was mailed the incorrect documentation after faxing a prior year of the same statement. I called on today and was told to call XXXX which I did and they could not help me at all. I was then referred to CFPB to file a complaint against Chase Bank. I advised Chase rep that I needed this statement for auditing purpose and its imperative that I have it. I was given an extension and it 's now running out and I still have yet to retrieve this document from Chase. My issue is trying to get a Mortgage Interest Statement for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX  ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 business days after the date of receipt.

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 2022-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquires and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Capital one took over Walmart credit card accounts and as a result capital one failed to process my payment in timely manner due to statements not being ready on my due date. As a result they reported to the credit bureaus as 30 days past due. Which is false. I called capital one and tried to settle the matter as i have other cards with them that i pay with my application without as issue. The transfer of the account seemed to be the issue in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: General Motors Financial Company, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a new XXXX Chevy Equinox at XXXX XXXX in XX/XX/XXXX with my husband. We financed through GM Financial. The first complaint is that I receive the bill in the mail on the XX/XX/XXXX of the month and the due date is the XX/XX/XXXX!!! This is ridiculous. They will not help me change the date I receive the bill. The NEW problem is that for some reason our monthly bill comes only to my husband and not in both names. This has been OK and we just pay it. On Saturday TWO bills came for the same amount. One in his name and the other in mine!! I have called XXXX XXXX of XXXX and nobody will return my call. I have left voice messages as well as spoke to someone who said they would personally give it to the financial officer. I have been calling the GM Financial Service # XXXX ALL DAY today. I get a message saying that they have an overwhelming amount of calls and then it disconnects!!! EVERY TIME. I will not have my credit ruined by this horrible company because they double bill me and will not take my calls. I need 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 2017-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've disputed this debt several times with this company and this is the second complaint through CFPB. After you contacted them the company took 2 almost 3 months to sent me copies of statements of charges every month with an address consisting of PO Box that I 've never had! I asked for signed documents from original creditor and also the contract between the two companies agreeing to transfer the debt and the amounts purchased on the dollar or cent. Their surety bond number for the state of Louisiana to collect the debt. Im asking for all documentation because otherwise I cant get any justice! And by law they have to provide it if they are saying the debt belongs to me and reporting it as mine. I 've filed a report and a report with FTC pertaining to my stolen identity.
The address that 's on the statements provided is the same address that someone tried to use to obtain credit in my name 2 months ago with XXXX XXXX. They sent me some statements and claimed that was verification that the debt was mine but it did n't prove anything but they have some statements from an address that 's not mine! And has never been an address of mine. They have to verify that it is my debt not that the debt exist! That 's why it 's called Identity Theft! This is my 3rd attempt in writing to solve this matter and I want notation of the matter before I can seek farther action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-07-22
Company: CURO Intermediate Holdings
State: AL
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:
On XXXX XXXX, 2017, I visited XXXX XXXX, d/b/a Speedy Cash at XXXX XXXX XXXX XXXX, XXXX, AL XXXX to apply for a loan. After being given information about the entire application process, I was told that part of the application would consist of a " soft pull '' of credit information. I inquired about this again, with the staff, to be sure that when they stated " soft pull '' that it would be just that. I was under the impression that they would use XXXX or some other source that is common throughout the payday loan industry. I was ultimately denied for the loan, which is okay, because I was able to receive help with my financing needs elsewhere. Between the time of this complaint and my application being submitted with them, I reviewed my credit report and was made aware of a " hard pull '' on my XXXX credit report from XXXX XXXX dated for the same date that I applied in person at Speedy Cash. The employees at this location assured me on more than one occasion that it would not be a credit pull that would result in an inquiry on any of the 3 major credit reporting agencies. The staff, in my opinion, did not make the proper TILA disclosures that led me to apply for a loan, that if I was given accurate information, I would have gone straight to the loan company that I ultimately received my loan from. I knew that with this other loan company, a hard inquiry would be necessary and that my loan would be reported to the credit bureaus. I chose to apply with Speedy Cash due to their proximity to my work location and from having an acquaintanceship with one of their employees ( not the employee that assisted me with my application process ). I feel that I was coerced into applying for a loan that I would not have continued the application process if the staff at this location had followed the requirements of the Truth in Lending Act. Their deceitful presentation of their application process and what it all consists of, may lead more people to inadvertently apply for a loan with the understanding that an inquiry would not be placed on their credit report. I certainly would not have finished the application process if the staff did not lie about the fact that I would end up with a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
2022 - {$3500.00}, {$1500.00}, {$1400.00} {$1800.00} : Credit card company are garnishing my wages I am head of household with 4 small children. I was not advised that lawsuits were being filed against me. I didn't have a chance to speak up for myself, I'm on the verge of loosing my home because I'm behind on payments as well as all my other bills. I don't have enough money to buy groceries for my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Addresses : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX  XXXX XXXX XXXX  XXXX Inquiries : XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-01-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i am very very upset while i understand the right the bank has to file foreclosure i want a loan modification and to pay please. I do not have time though i will if i have to to write a formal answer to the complaint. or the money. XXXX of the barriers is is my ex husband refuses to help me wtih the income taxes 2015. so i can apply for loan mod. I do have income now and can and want to catch up. PLEASE help me. filing this while i know you have the right to makes me very upset, stressed and i want to avoid it. PLEASE. i have XXXX and XXXX payments and soon will have more. I have gotten letters previously not helping me. I need to know how to pay. Please call only after XXXX and only at XXXX PLEASE. work with me. I have reached out many times and your system of sending letters is not helping. I have no money for fees so despite them being valid please remove so i can stay on the right side. and avoid taking any legal protections i want to avoid. i am working XXXX XXXX to catch up. HELP how do i pay? what is escrow shortage? who can i pay? can we set up a forebearance plan. my issue is without the ex husband doing the taxes 2015 as only he knew how to do it i am stuck I care i will do anything 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