BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently took out a personal loan, through XXXX XXXX XXXX XXXX, to consolidate Credit Card debt. This complaint is NOT against XXXX XXXX XXXX XXXX. It is solely against USAA. On XX/XX/XXXX, two payoff checks were sent to USAA to pay off the balances on the two credit card accounts below, as is detailed in the loan agreement attached. 

Rate Advantage Platinum Visa Account Number XXXX XXXX XXXX XXXX Signature Visa Account Number XXXX XXXX XXXX XXXX Despite repeated efforts to request USAA process the payoff and/or investigate as to where the funds were delivered and why they were not applied to pay off the balance, including the recent chat XXXX attached below, USAA continued to willfully assess interest charges on both accounts ( summarized below ). 

Rate Advantage Platinum Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$61.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$130.00} Signature Visa XX/XX/XXXX, XXXX XXXX, 2023 Interest On Cash Advances Finance Charge - {$30.00} XX/XX/XXXX, XXXX XXXX, 2023 Interest on Purchases Finance Charge - {$86.00} XX/XX/XXXX, XXXX XXXX, 2023 Late Charge Fees & Charges - {$25.00} I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not open any account with this bank

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 2022-10-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
On XX/XX/XXXX Navy federal took funds from my checking account to pay off debt owed to their credit card I had with them in XXXX. I was paid {$570.00} and they removed {$500.00} from my account without my knowledge. I contacted the bank and they said there was nothing they can do. Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Debit card from M & T Bank in the mail. I never open an account with this bank. When I contact the customer service from M & T Bank asking question pertaining to that account, I was told the account was flagged as fraud and the account was closed. I sent a letter to the Bank asking for confirmation that the account was open in a fraudulent matter and the account has been closed. As of today I have not receive a response to my request.

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 2023-06-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was hired by XXXX XXXX, which services patients through electrical health records. I was interviewed online and it was a lengthy one. I was hired a few days later and signed a job offer letter. It is a remote job so they informed me that we must purchase the equipment. I was sent a check totaling {$4600.00}. It was XXXX  to me overnight with a letter of instructions stating that I have to email the responsible accountant and the hiring manager with all the deposits I make. They asked me to deposit it in my account through the bank 's app or an ATM. I wondered if it's ok to deposit it through a teller and they said it is ok. I wanted to eliminate all suspicions and ask the teller if it is a real check or not. When I asked the teller at Citizens Bank she looked at it and asked her fellow associate if it is real. Her associate said that checks sometimes look like that because it was looking a bit different. so she ran it through the machine and it was ok. and the associate said if it goes through the machine that means it's legit. And they informed me that it will take 24 hours to clear.

So I took the receipt and went home to send it to the hiring manager and the accountant. The next day when the check cleared the hiring manager told me that the vendor for the equipment is down and we have to transfer the money directly to the vendor 's account. so I did three transfers through XXXX and the rest through a wire transfer. And every time I get a receipt for the transaction I sent it to the hiring manager and the accountant.

so the manager told me that I will get the equipment within a couple of days. The next day I got a check for {$7900.00} with the same letter of instructions. At this point, I was very suspicious and felt that this is a scam. But didn't know what kind of people I am dealing with so I wanted to cut my loss and apologize that I can't continue with the company because I got a new job. The manager told me to trash the new check. 
a couple of days later I saw my account and it was $ XXXX I tried to reach out to the bank and they informed me that the owner of the check reversed it. So the bank had to give the money back. when I asked can the bank do this? they said yes the bank can take back any money they deposit into my account. So I went to the branch where I deposited the check and asked to speak with someone. After telling the e customer service the story. she said it was my fault. she didn't even ask me about my name or pulled my account. instead, she was smiling very sarcastically. like she was happy I got scammed. I told her why would make the funds available instead of pending to verify the check and she said why would I bring them such a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: GA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 -ACCOUNT NAME : XXXX XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2023-06-04
Company: Liberty Holdings, LLC
State: TX
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:
I have a problem with several creditors, who reporting missing information to my credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting wrong information to the credit bureau also , which is incorrect. I do not owe them anything. 

Then I have XXXX XXXX XXXX XXXX that had a settlement and paid in full, the credit reporting agencies are refusing to correct it reflecting the correcting information so my credit can improve, however they're their showing a full balance owed which is incorrect on my credit reports. 

Another, XXXX  XXXX XXXX XXXX XXXX where there was a settlement was made and the credit reporting agencies refusing to make changes to reflect that information. 
All information are attacked.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-27
Company: Advanced Resolution Services 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:
XXXX XXXX, XXXX, ( ARS ) Advance Resolution Service, XXXX XXXX, & XXXX where all told to put freezes on my report and also delete all old address off of my report ( XX/XX/2023 ) because of illegal actions and Identification Theft. All charges on my credit line are not supposed to be there I have never put anything on credit nor signed up for so much as a credit card until this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was going to buy an Outlander through XXXX to a person under the name of XXXX XXXX, she asked me to give her {$100.00} dlls in advance, and the rest when we meet, so I sent the money trough Zelle, with this mail XXXX under the name of XXXX XXXX, and I never heard back from her again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: United Accounts, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from United Accounts on XXXX XXXX XXXX claiming I owe an amount to XXXX XXXX from a year and a half ago. this was the first attempt ever to contact me regarding any outstanding amounts from either company. I contracted them immediately and disputed this as I know for a fact this has been paid before. They informed me they can contact XXXX XXXX or I can contact them in which I replied I will resolve the matter with XXXX XXXX. 

I then contacted XXXX XXXX and according to their statement I still owed them this amount. I know I paid this at their offices but did not have the invoice readily available as I moved to another state. I told them I will get the invoice and the have to give me some time as I have to find and pack out several boxes in the hope to find the receipt.

United Accounts then proceeded to still report me to the credit bureaus even though they were aware of my dispute. I contacted them again and asked if it would be better to pay this amount again or to continue with the dispute as I know this was paid before and I am in the process of purchasing a house ( the negative report could affect my ability to purchase my house ). The lady said I should pay the bill and they will remove the report from the credit bureaus but it would take until end XXXX. They also said my loan company could contact them and they will give proof of my paid account. I proceeded to pay United Accounts the complete amount. 

The next day, I asked them to please supply me with proof of payment in order for my loan company to take the negative report out of my file. United accounts refused saying they are not allowed to give me any proof of payment because I am a resident of Wyoming. I continued to ask if she is saying that they may not give me any form of proof that I paid them and she kept on saying they may not according to law. 

The last lady I contacted was named XXXX and she said my bank should fax them a credit release before they will give us ANY proof of payment. During my XXXX calls to them, they were extremely defensive and rude and did not want me to finish my sentences before either interrupting on just putting the phone down. 

" XXXX XXXX XXXX United Accounts, Inc. is fully automated . Our systems utilize industry leading XXXX XXXX technology, 24/7 website access for placing accounts and viewing real time account stats and progress reports. XXXX has the flexibility to accept electronic account placements in your format. '' This is what hey claim on their website but they can not provide proof of payment???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: LEXISNEXIS
State: NC
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:
On the XXXX of XXXX my Data was Furnished without my consent, Via emailed copies to XXXX XXXX, and Lexis Nexis. This is a violation of my privacy, 15 U.S.C 1681 section 602A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a credit card customer of HSBC for over 10 years. During that time I never had problems making payments earlier than those scheduled through autopay. Recently HSBC boasted that they had a new and improved platform. However, what has really happened is that it is impossible to make an early payment with the new format. This happened first last month and it took about 35 minutes on chat to get the payment made which was essentially the minimum amount from the checking account approved for autopay. Simply stated, rather than waiting for autopay to take the payment, I wanted to make it two week early to save interest. Again this month I was unable to make the early payment and after about 40 minutes and this time TWO ( 2 ) CUSTOMER SERVICE REPS they concluded it was not possible to make early payments once autopay was ON. 

This is fraud. The idea of autopay is to avoid the absurd and obscene late charges that HSBC seems to love. To prevent people from paying early seems to feed the greed of HSBC. From the recent position statement of the CFPB, it seems the Bureau is interested in all this sly and dirty dealing done by banks. This is a prime example. It is greed that prompted HSBC to institute this " new and improved '' platform. More lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was robbed at XXXX XXXX  and had everything taken from me including my wallet along with identification and ss #. I have a police report as records and from thus robbery accounts was opened up in fraud in my name and was put in chex systems.

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 2023-06-04
Company: Conn's, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid this account off BEFORE due dates each month and they continue to report it late on my credit report violating many FCRA laws. I paid the loan entirely off last month and just received another 30 days late on XX/XX/23 when the loan was PAID IN FULL BEFORE THAT DATE! I have disputed this and nothing changes. Not to mention they have been calling/sending me text messages attempting to collect on a balance that was NOT past due. I requested them to stop contacting me in writing about the remaining ( last ) payment of {$280.00} and it would be paid before the due date and even after requesting them to stop contacting me they continued to do so calling several times at once. I would never purchase anything from this company ever again based on these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery called me at XXXX in the morning on XXXX/XXXX/2023. I didnt answer. 

Portfolio Recovery called me at XXXX in the morning on XX/XX/2023. I didnt answer This is not on my credit report and is past the statued of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: Experian Information Solutions 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:
please help me resolve these issues I have with the credit bureaus

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The issue I am having is with XXXX XXXX XXXX XXXX credit card department. The information that is on my credit report for all 3 credit bureaus is inaccurate and has made a major impact on my credit score. The account is closed on my credit report, however it is currently active. The amount I am in debt is also incorrect. 

I reached out to XXXX credit department sometime in the summer of XXXX about the issue and have still yet to get anything resolved. I did speak with XXXX XXXX and have sent request to the other XXXX XXXX in various occasions. 

I have spoke to the credit bureaus as well many times and still no progress.

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 2023-02-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2023 XXXX XXXX XXXX added a derogatory on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Mid-South Adjustment Co., Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have received a letter from this company named Mid-South Adjustment, co. This is now the third time they have sent me a letter stating they are collecting a debt I owe Veterans Affairs. I don't know how Iam being contacted? I pay the VA every month. For about a year they were sending a check to me stating I had overpaid about 2 years ago when the pandemic started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 received a notification for 2 Hard Inquiries that are dated to XX/XX/23. One is XXXX and the other is Capital One. Neither Hard Inquiry was authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: CBC Companies, Inc.
State: IL
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 want to submit another letter for Innovis to fix my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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 have attempted numerous times for XXXX to DO a complete investigation OF EVERY ITEM OF INFORMATION THEY REPORT ON under what is defined as investigation under the laws passed by congress. They have repeatedly continued NOT TO DO AN INVESTIGATION AS IT IS DEFINED by the law. 
THEY HAVE CONDUCTED NO INTERVIEWS WITH FAMILY AND FRIENDS AND HAVE NOT DONE a proper investigation as defined by law. 
They have also repeatedly violated my rights 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) XXXX Report Number XXXX Date Generated XX/XX/2023 2023

Company response to consumer: Closed with explanation