BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA has put the status of an account into 'credit only ', and will close the account at some point in the near future citing that they detected business activity on the account. While I do have a farm, and the appropriate EIN numbers and corresponding operating business accounts from which the business aspects of the farm operate, my children also personally own horses and those horses are under paid for through my personal expenses. There have been no business expenses through tis account, it is the account that every single personal bill for the entire farm/household are paid through this account. Additionally, the monies in this account are all the proceeds from a life insurance policy, and the account in question receives the Social Security Survivor Benefits for my youngest child. Looking back at the account for XXXX months there are ZERO business expenses, and there is no recourse through USAA. Most problematically, I have no access with no warning to the funds in this account, and the representative from USAA was unable to advise what happens to the outstanding payments scheduled through their bill pay system, outstanding checks, and certainly no regard for the fact that the direct deposit took almost a month to set up, requiring a daily phone call for every business day of an entire month, and a month to set it up. Not sure what their criteria is for business activity, but they have no sense of a farm as a business, this account is not used for business, and closing it will require paying fees to USAA and reordering checks on a new account that would operate exactly the same way because it is a household personal account. Would be very happy to go item by item on the expenditures of this account, but would like to have the check order for this account refunded and to be on record that this is a personal account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase denied 2 disputes when they have honored disputes on my behalf in the past. XXXX XXXX XXXX XXXX XXXX scammed me out of XXXX sent through XXXX XXXX XXXX XXXX XXXX After multiple attempts to communicate and get money refund from merchant Chase said sent proof returned damaged product. First had faxed multiple times they kept saying didnt receive giving multiple fax numbers. Then received gave further run around. Deliberately refusing to honor dispute and give customers the run around this they just started doing. Date of transaction XX/XX/XXXX Inquiry XX/XX/XXXX claim number XXXX. 

XXXX XXXX XXXX scammed out of XXXX after being dishonest about their property. Decided to drive out all the dumpters were over loaded with trash lots ppl hanging out said don't move their rat roach infestedXXXX XXXX this property mgt. in Georgia they have many properties with complaints of roach rat infestation. I emailed the property mgt. and she did not respond. Chase Bank said they sent them a copy of some policy shared with me regarding refunds, not true requested on XX/XX/XXXX a copy of this policy from claims who gave me the run around on the phone for about an hour on XX/XX/XXXX. Never sent. 

Chase Bank is not not honoring disputes even after you follow through ie return property request documentation they say got from respondents and they just give you the run around finding ways not to refund you. Have done plenty business with them and this is wronng. I have been communicating with them through the app, you cant screen shot the conversations their have been multiple on this issue beginning early XX/XX/XXXX to XX/XX/XXXX the last phone discussion with claims. They find this humorus the frustration they put you through have them pull the call of XX/XX/XXXX claims for you to hear. Date transaction XX/XX/XXXX Claim number XXXX. 

They mix claim numbers, claim not to get fax, give you the run around through the app and not honor disputes after you follow through on everything they requsest. It is time comsuming and frustrating when they string you along for months. Please have them pull the corresponses from the app. I give permission. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
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: Their investigation did not fix an error on your report

Complaint:
All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint. 

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Unable to link my account with XXXX, XXXX XXXX, and other payment/savings sites. This is unacceptable when other banks allow it so easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX does not want to take responsibility for fraud on my account after i placed a fraud alert for money hacked and stolen and they did not do anything about it. XXXX even sent me a letter stating if my account was ever compromised they would tranfer my funds to another account suspiciously months prior to the theft as if they already knew it would happen and still never did anything at all and left my account like that. I did not recieve anything in the mail from them. They are liars and owe me money. Their employees are theives.

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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a Chase CC, the application process and receipt of the card was seamless. The issue is the double hard inquiry. I have one hard inquiry on Chase and another on Transunion. I requested for documentation regarding why XXXX hard inquiries instead of one would be applied to a consumer for a CC and I could not get any answers. I also requested if XXXX inquiries are needed to solidify information why isn't XXXX of them a soft inquiry instead, again I could not get any answers. 

XXXX of these hard inquiries should be removed, I have not had any bank perform XXXX hard inquiries at the same time for XXXX line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/2022 XXXX XXXX XXXX attempted to deposit XXXX $ into my USAA checking account from a XXXX XXXX ATM, when the machine malfunctioned and powered off. XXXX XXXX  team members were able to verify this occurred via video footage. In addition it can viewed that I had {$1000.00} to deposit, and entire deposit went into the XXXX XXXX ATM. 

The branch manager sent a letter as a transaction record in lieu of an electronic record of deposit.

USAA has not cooperated in the ATM deposit attempt, and has not attempted to resolve the situation. Currently have been waiting 3 months to receive my funds, USAA has given no feedback whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

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 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Im really not understanding why you all are giving me XXXX on earth and disregarding every mail, every complaint I send to you all this has been going on since XXXX of 2021 and you all are still holding these accounts on my report for no reason and without any legit proof.First, I will like to say stop sending me mail saying verified as accurate with no factual proof thats it is accurate.You sending me billing statements is not considered proof on why it must stay on my report because as I said in the previous XXXX complaints those are alleged debts and even those billing statements are false and misleading XXXX am also aware that with you all actually dealing with my information you all should not be reporting ANYTHING without my written consent and being that this is going on a good 8 months strong you all have yet to send me a written contract with my consent. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

The only reporting agency that removed all these accounts were XXXX because they know they are in violation so if one of them has followed protocol YOU ALL NEED TOO AS WELL!

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 2020-06-04
Company: U.S. Collections West, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The contract related to this account is unverifiable canceled and or has been paid by insurance by law I am not liable for any third party debt collection as the original creditor has already been paid.

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 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full, however the debt collection company is legally adding additional fees to a closed / charge- off account. I was went into an agreement with the debt company for the charge off balance and no additional fees were suppose to be added because this was a no interest and no fee repayment plan. The contract was non-voided when they added these fees. I requested several times with the debt company to waive these and work with Bank of America where the original contract was with to get this resolved and neither company resolved this issue.

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 2021-04-03
Company: Unifin Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, received a letter from Unifin , INC, that stated that XXXX also known as XXXX, would settle a debt for {$5800.00} for the amount of {$2600.00}. 

OnXX/XX/2021 I gave them my credit card for that amount, which they immediately, pulled out of my account. They said I would have an email receipt within 24 to 48 hours. They gave me a confirmation number XXXX. 
I never received this receipt. 

On XX/XX/2021 I called again, was told the same thing and was told if I didn't received by the XXXX of XXXX to call back. 

I called back on the XXXX of XXXX and was told again it would take 24 to 48 hours for them to send the receipt. 

In the meantime XXXX is refusing to remove the account from the credit bureaus ' because they say they have no record of the account being paid. 

Since they are refusing to send the email, I have to assume that they took my money under false pretenses, which is theft. 




s

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up from my first complaint. I worked with XXXX at the XXXX XXXX of TD Bank. His information follows : XXXX XXXX | Sales and Service XXXX | XXXX | NMLS # XXXX TD Bank, XXXX 's XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX T : ( XXXX ) XXXX | F : ( XXXX ) XXXX Luckily I had money to cover the shortage and supposedly the bank covered everything, see below email regarding the {$17000.00} that was illegally put on my account : On XX/XX/2023 XXXX XXXX EDT XXXX, XXXX XXXX XXXX XXXX wrote : It should fall off tonight in overnight processing- the check was already returned back to XXXX 's account so there really isn't a hold on it. Unfortunately there isn't a way to expedite that off the app because it's done by our back office team in overnight processing. I did the math for you though and it checks out. After XXXX and XXXX were paid the balance Friday night was {$2900.00}. I added the {$17000.00} that was put in as cash over the weekend, as well as the {$5000.00} transfer that was also put in as cash and subtracted the debits for XXXX XXXX and such and the ending balance was {$24000.00} which is what shows as available for you to use, so there isnt a true hold on the account. You have {$24000.00} available to use. 


Respectfully, XXXX As you can tell, this email is proof that the malicious acts that have been committed by TD Bank towards me, a XXXX  XXXX, shows that the bank does not pay attention to the actual laws of the United States of America. There has to be an investigation into the illegal activities. Are they XXXX  XXXX? Are they anti XXXX  XXXX? These are deliberate, malicious and fraudulent activities. This is a targeted discriminatory attack on me and if you audit the bank, you will see a pattern of abuse and discrimination against XXXX  XXXX  and XXXX people. To further add insult to injury, someone called the police and said that I threaten to XXXX XXXX XXXX XXXX XXXXXXXX. Is this revenge because the police did nothing??? I am XXXX XXXX XXXX, really. This is TD Bank just messing with a XXXX XXXX  XXXX  because someone thinks that they can do this and not get in trouble. This is a blatant attack against any and all XXXX  XXXX  and XXXX XXXX  activity!!! There was more than enough money to cover the checks, please reread the email that is in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a phone call from a company called XXXX XXXX on XX/XX/XXXX. The phone number that called me was XXXX and the name of the called was XXXX XXXX. He stated I owed a balance of {$1700.00} and they sent numerous priority mailed letters, but I dont recall getting any letters from them. The debt was from Best Buy but i opened that account back in XXXX and I called Best Buy and they said the account is closed. I also called Citi Bank and they stated they dont see a balance for that account. He also told me that if I didnt make payments, that a judgement would be sent to my house and the parish would get involved. I tried researching this company and can not find any resources on the internet. I also googled the address on the letter they sent me and when I called the number, they dont know who XXXX XXXX is or what I am talking about. Please help in any way possible. Im believing this is a scam but cant be to sure.

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 2021-04-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to the credit bureaus about a collection ( XXXX XXXX XXXX XXXX XXXX name and have not received a response back or any results

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 2023-08-30
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On numerous occasions I have contacted all 3 credit bureaus regarding them reporting a public record on my consumer report. After each dispute they return that the court in which the public record is being recorded has validated the account which is incorrect. I have personally contacted the local court and they have sent me proof that they do not nor have ever validated this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-08-15
Company: World Omni Financial Corp.
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: ERC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/2021 A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.

Company response to consumer: Closed with explanation