BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the course of a seven year period starting in 2012 USAA Federal Savings Bank portrayed a simple interest bearing deposit account of approx. $ XXXX as an investment account. This was years before XXXX XXXX merged with USAA. The reason I am reporting this egregious violation is 2-fold. Each time I made a withdrawal from the account USAA would apply a 10 % penalty in addition to the withdrawal. These funds were accumulated with taxed dollars. As if the 10 % penalty wasn't bad enough, USAA would issue a 1099 that captured the specific amount of the withdrawal with the footnote of reporting the transaction to the IRS. As I mentioned, these funds were accumulated with taxed dollars and the 1099 was intended to raise my tax bracket with taxed dollars from a simple interest bearing deposit account being pertrayed as an investment account. 
This act went on for seven years. I have the 1099s along with account statements and I'm sure USAA does as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/2023

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 2022-08-21
Company: EQUIFAX, INC.
State: MD
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:
Equifax is continue to perpetrate fraudulent access of my credit report resulting in a had inquiry. The dispute process on their website does not work and no one answers the phone. I have already filed a dispute for fraudulent access by the dealership and will file a police report if necessary. Equifax has not provided factual evidence of addressing the concern

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent a XXXX payment to someone who scammed me. Website is XXXX  : XXXX  Phone # for the criminal who scammed me is XXXX and says his name is " XXXX XXXX '' XXXX 
Email he used to communicate me on was XXXX Email I sent the XXXX payment of {$750.00} to on XX/XX/22 at XXXX was XXXX I called US Bank XXXX XX/XX/22 at around XXXX to report this and wanted to see if I could get the charges reversed and they basically told me it was not their problem and they can't help. Which blows me away that in this time that an electronic transaction can not be traced and these criminals can not be brought to justice? Anyway the bank won't refund the money and I filed a XXXX scam report with XXXX, a local theft report with my police department, and planning on filing an internet crime with the FBI form. I also received an email from XXXX Bank this morning saying that " XXXX '' has changed his XXXX payment address and that I could no longer send him payment to that email if I wanted to. 
On a side note, once I had more time I researched other XXXX XXXX XXXX XXXX  and they all look just like this guys- my thought is that this scam may be further reaching than just this one guy. Also I had no idea that XXXX was not something we could get refunded with - I know XXXX that it is possible as well as CC 's so I just assumed XXXX would do the same but the bank pretty much told me it was not their problem and gave me no instructions on where to go so I had to start googling things which is how I found this CFPB site as well as the XXXX scam site.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT.

1

5 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON

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 2018-06-01
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: Investigation took more than 30 days

Complaint:
XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX  has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON

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 2022-08-21
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
These two numbers, XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX, have sent me a text message attempting to defraud by having me, and potentially some legitimate America First customers, click the fraudulent link. 

They are not from America First Credit Union. Please identify who these scammers are and shut them down. 

Text message : American First Credit Union : We're restricting your account untiI we can verify recent updates made on account, Visit XXXX XXXX XXXX XXXX to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: MoneyLion Inc.
State: IL
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 pulled a my credit report with XXXX and noticed this MoneyLion Inc has still been reporting negatively after a bankruptcy filing in XX/XX/XXXX they been continuing to report up until XX/XX/XXXX when I notified the company they insisted the information they were reporting was accurate I then contacted XXXX about the issue and again they verified the information is correct. To my knowledge this is a violation of FCRA both creditors and bureaus have an obligation to report only accurate information. This is a closed account and was included in a XXXX XXXX Bankruptcy which was successfully discharged if I'm not mistaken this can be seen as a violation of bankruptcy law as well as this can be seen as still attempting to collect on a 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 non-monetary relief
Consumer complaint received 2021-08-02
Company: NRA Group, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company, National Recovery Agency has stolen my identity by way of fraud and is attempting to collect a debt I dont owe them. I never signed a contract with this company. They are using my private information to coerce payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
I sent XXXX XXXX a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent 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 2022-06-06
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I can't explain how but Westlake Financial is not properly applying my payments. I have included the loan history they sent 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 2023-09-22
Company: J J Marshall & Associates, Inc
State: UT
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection for {$2600.00} appeared on my credit report from JJ MARSHALL ( Original Creditor : XXXX XXXX ) when I filed for a mortgage on XXXX and I do not owe this company because as of a divorce decree I was forced to move out XX/XX/XXXX, I went to the XXXX 's office and turned in paperwork stating that I was moving out and XXXX accepted it, I paid a small amount that day. I found out through a credit report pull they had put an eviction on my rental credit report and they claimed I owe {$2600.00} debt from a XX/XX/XXXX eviction. I have never been evicted and I do not owe a debt. I did not have a lease with them after XX/XX/XXXX after the divorce. I called JJ Marshall to find out what I need to do because of the identity theft, an ex spouse was renewing the lease with out my knowledge, yet XXXX knew I was removed from the lease. I was told by the collection company employee on XXXX she would need a police report to help me. I filed a police report XXXX with XXXX XXXX Sheriff 's Office police report # XXXX in order for this collector to review the case that this is not my debt and she even marked my file as " No Contact '', I did not tell her to do this, but then told me to call back the next day to speak to a manager. She was rude to me on the call. Then when I called today XXXX a man told me the manager was off and she was wrong. Also that I had to email him and he would contact me back right away if I wanted to talk to him, again he was rude and short with me, all I have been trying to do is talk about what I need to do to get this resolved and removed. I sent him the email to the email they gave me XXXX. I just want this resolved I don't need someone being rude to me, and then telling me " respect is a two way street '' and then talking over me. I sent the recorded call to my loan officer and she told me to file a complaint. It is not my account and they are hurting my credit, but they are also ignoring my dispute or lying to me. I requested a deletion letter in the email so they would notify the credit bureaus or I can. I am not about to pay a debt when I did not live there and I was never evicted. I was also never notified about this collection or this would have been handled right away.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Patient : XXXX XXXX MBA Account : XXXX I spoke with the Collection Office of Mitchell D Bluhm & Associates on XX/XX/2022 in response to a dunning letter from the firm dated XXXX XXXX. 

I requested the firm provide validation of the account by furnishing documents with my signature, my agreement to pay, and all other pertinent information to verify the accuracy of the claim as is required FDCPA and FCRA. 
A supervisor who gave her name as XXXX refused to provide the information in writing per my request. 

I advised XXXX that reporting inaccurate and derogatory information to any of the three credit major bureaus without providing validation of the account is a violation of the Act. 
In reviewing my credit report today, I saw that Mitchell Blum had reported the account to the credit bureaus. 

In speaking with XXXX in this regard today ( XXXX ) she refused to provide any verification or validation of the account which is again a violation of the FCRA and FDCPA. 
Reporting inaccurate or unverifiable information to the bureaus is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Continental Finance Company, LLC
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 status incorrect

Complaint:
XX/XX/XXXX I requested account be closed due to subprime card interest rates/annual fee of {$99.00}. This card was reported as being paid late, after the closing by consumer request. Account was never late, paid on time since XX/XX/XXXX ( When account was opened ). I paid account in full after several disputes with Continental finance. I completed my end of the agreement, while the company continued to report my payments as late/never deleted negative account status after I paid in full/closed account. This is a violation of the CARES ACT enabled 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 2020-01-18
Company: Experian Information Solutions Inc.
State: TN
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:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-06-22
Company: Paradigm Assets, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX has violated my rights. 
XXXX XXXX XXXX  ( # XXXX ) XXXX  XXXX ( # XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX ( XXXX ) TRANSUNION HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX ( 1682 ) 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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