BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2020 letter to CEO of USAA, mr. XXXX XXXX " I have been attempting to access my bank account at USAA since XX/XX/2020, but have been hampered by missing IDs, passwords, account # s and money.

It has taken me several weeks to finally obtain a hard-copy of my Texas ID with a current address ( & new Cell Phone # ) in order to verify my identity with USAA security. I respect the security  protocols by which USAA ultimately protects the security of all account holders, however lately I am encountering senseless roadblocks by USAA systems which preclude me from rightfully accessing my account ( s ). My immediate objective is to reset my online ID & password, and update my address & cell phone " No response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this is my last attempt before I file legal charges against transunion, if this is not removed by XX/XX/XXXX. 
my legal team will handle this

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 2021-10-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a account with chime in 2019 I opened the account to receive my small business loan I never did business with the account I just used it to receive my loan well chime decided to abruptly close my account and give me the run around about retrieving my funds. Its 2 years later and I have no clue where my remaining XXXX dollars is. Chime basically stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a loan on about XX/XX/2021 in my chime account and they had my acct.open after i received my loan of XXXX for about a week so on the XX/XX/2021 they closed my acct and i have emailed them time after time and after the second day they said i would have something in my mailbox in a week and i went to my mailbox and i hadn't received anything from chime so i emailed them back and they sent me an email saying i will receive something in my mailbox in 2 to 3 business days and i still haven't received any kinda do documentation letting me know why they close my account and the people who deposited to me is wombly they also contact chime because i have been with them for 3 years and chime let them know that they have no problem with them depositing my funds because i was in good stardards with them i have the email frm wombly to prove that they contacted chime before depositing my funds its now XX/XX/2021 and i have yet heard from chime they telling me that they are not gone refund my money and im not understanding why they haven't given me a direct answer and i also have other deposits coming to my card that im not able to get thats not right for them to just take my money and not tell me anything i really need help with resolving this matter i cant contact no one to talk to or anything i have bills that need to paid lije asap and i cant get no help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-29
Company: ARC Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After being sent to a private hospital by the XXXX XXXX for major XXXX XXXX, a small portion {$1400.00} of the {$140000.00} bill has been an issue between the VA and the XXXX. As a XXXX Veteran, I am 100 % covered and not financially responsible. 

This debt has been passed from another harassing debt collector to yours after the VA has already make effort to clear this up and has spoken to your representative about the issue and was assured I would NOT be harassed over this debt any longer by your company. 
Then I get another harassing call. 

Please, I'm dealing with enough mental health and XXXX XXXX XXXX issues as it is. Having a bill collector harassing me has been a real trigger during this holiday. Please STOP. Please? 

{$1400.00}? Go after the VA, or someone else. I've given enough for our country. I certainly can't afford any more... 
Please?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
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 been trying to dispute inquiries on my Equifax, XXXX  and XXXX  but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: GA
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TransWorld Systems is repeatedly calling my work number and leaving a threatening message. Each time the person I am directed to speak with is different. I do not owe any debts and no commercial company with whom I do my private business would have had my work number as the main number in any case. 

This company is widely viewed as a scam and some online reviews state that calling the company results only in abuse and the continuation of calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI has violated my rights as a consumer by attempting to collect a debt that is not valid. AFNI violated The Fair Debt Practices Act 15 USC 1692. The violations are : 15 USC 1692b Acquisition of Location information ( 5 ) ,15 USC 1692d Harassment and Abuse ( 2 ), 15 USC 1692f Unfair Practices ( 1 ) ,15 USC 1692g Validation of Debts ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ). This debt collector has used false, misleading and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and XXXX do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : AccountNumber : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXX XXXX XXXX.I am disputing this account based on violations of the Metro 2 credit guidelines. According to these guidelines, charges off account should be reported accurately and fairly, an ; d any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistent across Credit Bureaus 2. Remarks inconsistent across Credit Bureaus 3. Time Late inconsistent across Credit Bureaus 4. Month 's Reviewed inconsistent across Credit Bureaus 5. Payment history inconsistent across Credit Bureaus XXXX XXXX XXXX and requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute letter for your reference.Based on these violations, I request that you remove this account from my credit report. I have already contacted you. Please investigate this matter and remove the account from my credit report if you find that it has been reported inaccurately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX/XXXX  is listing an open revolving account on my credit report. I have never had an account with XXXX. Furthermore, the original account owner XXXX sold the account to XXXX XXXX who had a third party attempt to collect. XXXX/XXXX  continues to list the account that they don't own on my credit report and thus far my escrow is in danger of failing and I'm losing my earnest deposit and other damages in the thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to all of the credit card companies to inform them that they should not be reporting my accounts as late. According to 15 US. CODE & 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term " person '' means any indvidual, partnership, corporation, trust, estate, cooperative, assodiation, government or governmental subdivision or agency, or other entity.

( c ) The term " consumer '' means an individual.

( d ) CONSUMER REPORT.

Of other communication of any information bya consumer reporting ageny bearing on a ( 1 ) INs GENERAL. The term " consumer report '' means any consumer 's credit worthiness,, credit standing,. credit capacity, character, general reputation, personal characteristics, of mode of lving which is used or expected t to be used of collected in whole or in part for the purpose of serving asa a factor in establishing the consumer 's eligitility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) ExcLsions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any- and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer ( ii ) communication of that information among persons related by common ownership or affiliated corporate control; or ( i ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disciosed to the consumer that the information may be communicated among such persons .and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsi. 

Finally, according to this law if i.was ever late I paid a late fee. They are not.allowed to.double dip.

I.have asked all.credit bureaus to.update the payment statuses on all credit card accounts to " paying as agreed '' it's 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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've tried to get in contact with Capital one for over 2 weeks. I would like to delay my payment due to Covid-19 underemployment. I was able to delay it last month and each month you have to call back to delay payment. The wait time to reach someone is over 3 hours. I've called several times and can't get through. Twice I've called, the phone was disconnected after waiting over an hour and half. The other time i was able to request a call back. I never received one. I reached out on XXXX and they said i have to resolve the issue via 1800 number. I was now issued a late fee for not paying. Other customers are experiencing the same the same thing as I. This is terrible customer service practices. I am highly disappointed in their customer service practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: DISCOVER BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received an alert that a {$6000.00} check cleared my account. I did not write or authorize this check, so I immediately called the bank to report it as fraud. They looked at the check and the agent said it was clearly a fraudulent check at first glance to her. She transferred me to the fraud department, my account was closed, a new account was opened, and they mailed me a check claim affidavit. I completed this form and uploaded it on XX/XX/XXXX. I heard nothing from the bank so I called them 2 weeks later and was told that I filled the form out incorrectly and would need to fill it out again. They said they would mail me another form, which I did not receive, so I called them and they sent a new form to me several days later. After receiving the new form, I called the bank and talked to an agent to make sure I completed the new form correctly. I uploaded the new form on XX/XX/XXXX. I received a called today saying the form was filled out incorrectly again and would need to be redone. Now I will have to wait to receive another form by mail, complete it again, upload it again, wait another 2 weeks before it can be reviewed, and see what happens. This means that it will be over 3 months just to get my claim submitted. This is completely unacceptable! In the meantime, I'm out {$6000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

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 2020-04-10
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was told by the government that my student loan would be forgiven because I receive XXXX. I sent money to the forgiveness program, and they never applied any amount of money to my account. With saying that, I would like to have the previous amount owed to my students loans erased from my credit report please. This is really hurting me. Please help. I was paying monthly to the forgiveness program. Navient is the company. I have about 7 accounts. All are negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I had signed up for a TIAA checking account promotion that was available publicly on there website. The promotion was to open up a checking account and set up direct deposit through your employer with at least {$1000.00} deposited from your employer to qualify for a {$250.00} bonus. My XXXX through my employer was deposited into the account on XX/XX/2019. I was instructed from previous representatives that it would take 3 months to reflect the {$250.00} bonus. After many phone calls and back and forth they said I did not qualify for the bonus because the offer was not meant for the public which is incorrect because I had screen shots of the promotion taken from my computer as proof and now they refuse to honor the {$250.00} bonus even though I had met the terms and conditions of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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