BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a police report at my hometown Police Department about a Credit card never received with USAA. Police report # XXXX then I submitted a claim with FTC and it was erased. Then i received a letter from USAA stating that they needed my signature to let the credit companies know about the situation and then suddenly the debt appeared again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I NEED TO BE PROVIDED WITH THE METHOD OF VERIFICATION THEY USED TO VERIFY THIS ACCOUNTS A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ADDITIONAL INFORMATION Trade : XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PORTFOLIO STATUS, ADDITIONAL INFORMATION Trade : US DEPARTMENT OF EDU EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, CLOSED DATE Trade : US DEPARTMENT OF EDU EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTIVITY DESIGNATOR, SCHEDULED PAYMENT, DATE OF MAJOR XXXX DELIQUENCY REPORTED, CLOSED DATE Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2023-05-17
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am the Executor of the Account in Question : originally I was told it would take 30 days to close this account. The explanation given was : " our backroom processing was behind in the closing processes ''. This was XX/XX/23, I explained to the Bank Officer/Notary that the account was only earning .10 % with an amount of {$180000.00} and the beneficiaries would like to have the money in a higher earning account. She said she would push the process along and we could expect the check in about 3 weeks. XXXX XXXX XXXX was the Officer. I called the Cust. Service number and went thru the entire process with another person for over 45 minutes. She said that the paperwork was misplaced and she would get it processed asap. ( XX/XX/23 ), our line was disconnected and I never heard back from her. XX/XX/23, still haven't rec 'd funds! Called a branch in XXXX, spoke with a wonderful banker there, XXXX, she told me that the branch dept. still hadn't processed our claim. XXXX was very helpful and assured me that she would personally finish this transaction and send the funds asap. After having spent 26 years in Banking myself, I find that the initial Banker involved should have taken the same tact and followed this request with the same attitude as XXXX. XXXX if you have questions!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: PR
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:
This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this but had no resolutions. I realized my information were fraudulently used without my permission to process transactions and open an account without my consent. This is their contact info page for additional reference : https : XXXX Also, I already disputed the said account ( XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from XXXX  as a fraudulent account. However, it is still reporting negative under Experian when I got my updated credit reports today XX/XX/2021. I've attached a copy of my credit report summary showing that it has been deleted. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records and is hurting my financial stability.

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 2023-08-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process of applying for a home equity line of credit with Chase Bank on a condo residence in a building on ( XXXX ). After completing the pre-approval process and providing all the documentation requested by the lender, I was advised that I was preliminarily approved for a line of credit and that the property met their criteria for the loan product I was applying for. The lender immediately requested that I submit {$500.00} they deemed as good faith funds in order to proceed with the loan. I paid the {$500.00} on XX/XX/XXXX and continued to provide the requested documentation and maintain on-going updates on the progress of the loan. Shortly thereafter the lender indicated other residences in the same building had previously been declined for a loan due to the building not qualifying for the loan requirements. 

I attempted to reach out to my points of contact with the bank ( XX/XX/XXXX & XX/XX/XXXX ) to seek alternative measures to either progress the loan or obtain financing using another product but was not able to get a respond back once the underwriting department deemed the property not eligible for financing. I continued to seek a response ( on XX/XX/XXXX, XX/XX/XXXX & XXXX ) on how to resolve the problems and got no response. After some time I requested they return the good faith funds as they had determined that the property did not meet the requirements and that was not disclosed until after the fees were collected. Eventually the agent agreed to request a refund but failed to actually go through with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Complete Credit Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I agreed to start alarm service with XXXX on XX/XX/18 for $ XXXX but received a notice/bill for {$48.00}. I never signed a contract for {$48.00} but the technician did sign my name electronically while I only signed a manual one for {$27.00}. I have a copy of both contracts. I requested to end service when I found out this happened which was within the first month as I would never do business with a company that did this - essentially they are sticking to the {$48.00} contract is valid and it is not, I only signed the {$27.00} of which they never address. Again I've never paid them anything not one month and never used their service but they have put it on my credit report. I have disputed this and with the collection company who bought this, Complete Credit Solutions who just provides the 2 credit bureaus with the fraudulent contract and rejects my dispute. I have a copy of everything, exhausted from explaining my case to XXXX, Complete Credit Solutions, submitted fraud affidavits, etc. I want it removed from my credit report and after all this hassle I'm good with suing XXXX and Complete Credit Solutions as they have very little info but a forged contract yet I have the one I actually signed and attempts to validate that have gone dismissed.

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX  account. XXXX XXXX XXXX XXXX  account. XXXX XXXX account. XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo placed me into a Covid-19 forbearance program, with the promise to place any missed payment on the back end of the loan. Even though I was in forbearance some payments were made. The forbearance ended in XX/XX/XXXXand payments resumed. However, this past Friday ( XX/XX/XXXX) I received notice that on XX/XX/XXXX foreclosure proceedings would begin.

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 2021-10-04
Company: PRESTIGE FINANCIAL SERVICES 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 was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with Prestige Financial to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: DISCOVER BANK
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX I received a physical letter containing an actual debit card to an account I knew nothing about, thinking it was some form of fraud attempt I called Discovers Fraud Department at XXXX and the male representative said he checked " both sides credit and banking '' and their was nothing with my information being used. Then on XXXX I received another physical letter indicating that my email on my bank account was being changed from my legitimate personal email to an email account of XXXX, obviously an attempt at theft. I called Discover Card Fraud Department again, this time being bounced from " credit '' to " banking '', neither could see the others ' information. Then transferred one final time to " New Accounts '' and after providing her my birth month and year and last 4 of the debit card, she said yes there was an account. She said " there is something here, but without a card number I can not verify it is fraudulent '', finally after finding the card she said the person opened the account and changed information all in the same day very quickly together. Unfortunately, since I am being told incorrect information one day and then something else the other, I do not believe the fraudulent account is being closed and permanently removed from my credit report and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Paid my balance in full on XX/XX/2019. Capitol One then sent me my statement on XX/XX/2019. The statement showed they charged nearly {$13.00} of interest on a XXXX balance account. When I called to inquire why, I was told I have to pay the balance off in full two months in a row to be charged zero interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these account are authorized user I did not authorize also account that where open fraudulently

Company response to consumer: In progress
Consumer complaint received 2023-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I called USAA to permanently closed my credit card account. I spoke with XXXX in the hardship department and she refused to close my account and establish some form payment plan with me. I am willing to pay USAA {$100.00} to {$150.00} a month and permanently closed my credit card account. Instead of her agreeing she is willing to charge my account off instead of working with me on a payment arrangements. I explain to her that I under a doctor 's care and it's on going and I am willing to closed this account and pay them every month. All she could do was apologize that's it. Not closed my account like I wanted and establish and payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Credit Karma, LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I received a Credit Karma Money Spend account debit card in the mail at my home address with my name on it. I did not open a Credit Karma account. 

I immediately called the number on the back of the card and attempted to find out more information and request account closure. The only option for the phone line was an automated feature that required me to disclose the last 4 digits of my social security number before they would transfer me to a representative. I do not want to disclose any of my personal information to a company I do not wish to have a relationship with. I attempted several times to bypass giving my social security number, and the system is designed to disconnect the call if you don't provide the information, which is what happened. 

I then logged on to the Credit Karma website and attempted to chat with a representative. The representative in the chat advised me that it was REQUIRED that I give her the last 4 digits of my social security number in order for them to verify the account. I explained I didn't want to provide that information and was already concerned that someone had stolen my identity to create this account. I pleaded with her verify my identity another way and she indicated that wasn't possible. I asked to speak with a manager, or if I could have a phone number to reach a LIVE PERSON and she just kept giving me the number for the automated phone line. 

I then asked the representative to provide me with information about how the card works- like is it connected to a bank account at the time of card issuance or is it a card that needs to have funds loaded onto it once received. I was trying to assess how big of a problem I may have on my hands. The representative said she couldn't answer that question until I provided the last 4 digits of my social security number. It was a pointless & extremely unhelpful conversation.

The Credit Karma representative then told me she was ending our " chat '' and disconnecting me- and that I was welcome to reach back out when I was able to provide the last 4 of my social to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$390000.00} to my CHASE BANK account on XX/XX/XXXX. The check was cleared the same day ( i.e. : the funds were withdrawn from the account of the person who wrote the check ). 

It's now XX/XX/XXXX, and CHASE BANK still has {$200000.00} of the funds on hold. They temporarily released some of the money, but have closed the account without explaining why or providing access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern : 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. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for XXXX is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between Transunion and XXXX and XXXX last active date is missing. Date of last payment is missing for XXXX and XXXX but is being reported for Transunion. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

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