BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From XXXX XXXX to XXXX XXXX, I used mobile deposite with USAA to deposit checks I did not know were fraudulant and part of a scam to pay scammers through third-party apps. I thought I was serving as a middle man for other small businesses like mine to help pay vendors for a wedding I had been booked to work next week ( already aware how XXXX all this sounds/is ). 

On XXXX XXXX, after the last check was deposited, being scammed became a hard reality when USAA put everything on hold and I realized any funds I did have, and then some, were completely gone and I was now in the negative. 

Now, after walking USAA through what happened, and the fact that none of those checks flagged as fraudulant on USAA 's end after I deposited them, they say I am now liable for paying them back {$10000.00} or more -- money I didn't have to begin with. I don't understand how checks I didn't know were fraudualnt now make me liable to pay back money I didn't know was bad to begin with, now that everything is gone. We've banked with USAA for years, but now because I'm a victim of a scam, USAA says I have 41 days to pay back all this money I didn't have to begin with or they close our accounts. 

There should be some sort of better mechanism in place by USAA to either have alerted me to the fraudulant checks or canceled the checks the minute they realized it was bad. Not a single alert was given on their end until the money was gone. I know I'm XXXX  on my part for falling victim to it, but this is not money I should have to pay back. Those responsible should have to pay it back, or the bank should have alerted me to the fraud and canceled the checks the moment they failed. These scammers hit right an extremely vulnerable time in my life, and I got played like a fiddle because of it. 

I have an open police investigation pending in this scam, but that also has no henderance on this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 Capital One Account # XXXX and Capital One Account # XXXX has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Same complaint, they are now deliberately screwing up my credit report because I am complaining about them and filing these complaints, they removed XXXX, THIS IS CONSUMER FRAUD

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 2024-01-13
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Subject : Dispute Regarding Ally Financial Account Number XXXX Dear XXXX I am writing to dispute the inclusion of Ally Financial account number XXXX on my XXXX credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. 

All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, XXXX has not responded within a reasonable timeframe, exceeding 30 days for their investigation. 

Given that XXXX has already taken corrective action, I urge XXXX to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. 

Thank you for your prompt assistance in resolving this identity theft issue. 

Sincerely, 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 2021-07-10
Company: Square Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I was unable to receive funds from my family using Cash App. I contacted Cash App they claimed I needed to verify my identity, mind you I had the Cash App for months already and used with no problems. They sent me a link instructing me to send my DL front and back and including a picture of me holding my license ( odd? ), but I did it. They told me it would take 10 days. I've verified with my other " cash app '' types, it took 1 - 3 days. I contacted Cash App XX/XX/XXXX talking to 2 reps at the same time. 1 via the cash app app, 1 via XXXX cash app. 1 rep continued to say they're working on it, while the other said I have to send my license again ( talking to them at the same time ). I feel I am being toyed with and I don't want to send it again and why wouldn't they both say that if that's the case. 1. I'm worried of where I sent my information to, 2 still unable to use the Cash App app, 3 someone is lying and playing games. 
My Case # XXXX Here 's the link they had me send my credentials to. 
https : XXXX. 
Please check the link validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Upgrade, Inc.
State: AK
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Company over charged my balance, went from {$5400.00} to {$7300.00}. With {$950.00} in payments made that month and only {$550.00} in transactions that month. Called repeatedly spoke to multiple managers, they added up the transactions and agree balance is off. But refuse to change to correct amount. Which is damaging my credit score and being over charged by {$2200.00} in fees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Velocity Portfolio Group
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I refuse to pay any debt to XXXX XXXX XXXX account # : XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language.

There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of Metro2 compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 

I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States XXXX XXXX XXXX XXXX XXXX North Carolina.

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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a physical check in person at Chase branch. Account on hold for 10 days while they verify the issuer of check. Check still has not been verified after 16 months. Get same information each time I call, Chase says the will just call and verify with the issuer of check, they never verify it. I dont think I will ever receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: LEXISNEXIS
State: TX
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MI
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:
Inquiry was placed on my credit report that I did not submit

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 2023-12-08
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I have experienced a hardship related to XXXX with this property and my tenant is unable to pay rent. I have missed XXXX, XXXX, and XXXX payments. I learned recently that XXXX XXXX  provided new guidelines starting XX/XX/2023 that were required by all servicers of XXXX XXXX mortgages to abide by. These guidelines include allowing 6 months of deferred payments to be kept in a non-interest-bearing account that is held until the mortgage maturity. Also, the missed payments that were deferred should not be reported negatively on the borrower 's credit report. 

Upon speaking with an account representative at Mr Cooper on XX/XX/XXXX, he seemed unaware of these terms and his system reflected only an allowance of 3 months of missed payments in a separate non-interest-bearing account. He also told me my missed payments would continue to be reported as being missed. It is as if his system did not have the newly required terms of XXXX XXXX XXXX Enhanced Deferral Program. 

See here for FHFA 's announcement : XXXX XXXX XXXX XXXX here for XXXX XXXX XXXX for these requirements laid out for lenders : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Someone fraudulently opened a XXXX XXXX card using my name with USBank. I tried countless times to report fraudulent activity to USBank using the number provided on their website ( XXXX ). I was redirected to another number XXXX and they tell me they can't help me close the account or report the fraud. I am just trying to make sure the account is closed/not activated and report the fraudulent activity.

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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX ran my credit when there was no need to, bank representative ran my credit which in fact has ruined my credit because of inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need removed due my credit literacy I didn't know this would hurt my credit, and that it has done.

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 2022-02-09
Company: DISCOVER BANK
State: NY
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:
I Am a federally protected consumer. XXXX was notified of a dispute of account with Discover Bank Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the American Express Gold Delta card. Terms of the sign-up bonus was {$2000.00} spent in XXXX months and receive XXXX bonus miles. I hit the {$2000.00} spending in XXXX XXXX. 

Outgoing calls to AMEX XX/XX/2022 AMEX CSR recommend I wait XXXX weeks and my miles will be credited to my account. 

XX/XX/2022 AMEX CSR states I wasn't eligible for the sign-up offer. The previous CSR stated otherwise. Case file was opened. 

I have no closed accounts. I've never owned this particular credit card before. Nor have I ever received this particular bonus before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Back in XXXX of 2023 Capital One closed my checking account. They havent told me why, although I suspect it was because I tried to move money to an account I have that was linked to my old address in a different state for my rent payment, but I think I accidentally did it twice so it probably looked fraudulent. This is fine. But they havent returned the money that was in the closed account. Im out XXXX from said closed account. Ive been trying to contact them for months and they always direct me to a line that says to leave my name and number and someone will call me back. No one has called me back. I dont know where my money is and when Ill see it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have XXXX store credit cards with Synchrony Bank. Due to financial hardship I enrolled in payment plans for all of them. 

The payment amounts and dates due for the payment plan are unclear. Although the website shows the correct amounts for each payment plan, there is no due date listed for the payment plan. 

Instead, the account screens for each card shows information on the original payment date and past due amounts ( before enrollment in the hardship plan ) so I am confused about which amount to pay and when. 

Plus I could swear that when I signed up I requested XXXX of them be enrolled in AutoPay and I have had to pay manually. 

Additionally, I had XXXX other account with Synchrony ( for Amazon ) where I overpaid because the terms were unclear as I said above. I was concerned I was going to miss a payment so accidentally overpaid. 

Additionally, I receive multiple reminder emails per week for each account that a payment is coming due ( again no due date is mentioned ) ... this is incessant and unnecessary.

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 2024-01-12
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has furnished multiple hard inquiries to my credit without my express written consent ranging from the date of XX/XX/XXXX through XX/XX/XXXX. I don't recognize any of these inquiries and want them removed immediately from my reports. Enclosed is documentation from my XX/XX/XXXX Experian credit report showing the inquiries in question, circled in orange. Thank you

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 2023-12-08
Company: Radius Global Solutions LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I keep getting a notification on my phone to contact Radius Global Solutions I have no idea why or who gave this company the right to text me or even call after they have been told to stop I dont know why they are contacting and gave me a case number I have never gotten nor received this bill to even pay it reference XXXX stop texting me stop calling me its harassment you have contacted me more than once and still I have no idea what this is about and I dont owe you anymore either

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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are hard inquiries from several companies I do not recognize. 
Such as, 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PORTFOLIO CALLED ME FROM XXXX TO MY NUMBER XXXX AND TRIED TO COLLECT A DEBT FROM SOMEONE I DON'T KNOW. I ASKED FOR THEIR ADDRESS AND THEY REFUSED TO GIVE ME THEIR ADDRESS. THEY CALLED ME SEVERAL TIMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had judgment against me after it was paid off they still took money out of my check even though it was paid off because they still said that I owed

Company response to consumer: Closed with explanation