BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To whom it may concern My name is XXXX XXXX XXXX. I am the son of XXXX XXXX XXXX who passed away on XX/XX/XXXX of XXXX. Her cause of death  was ultimately XXXX and at the end of her life she borrowed from both family and creditors to seek treatment to extend her life. Due to some bad financial decisions, she died with a large amount of personal debt. In the two weeks prior to her death, she appointed me the executor of her estate. Due to the large amount of debt her attorney has advised me to NOT probate her estate because the cost would be greater than the only outstanding asset which are her two accounts with USAA bank. One account was/is a savings and the other was/is a checking. 

I have asked USAA bank multiple times via phone calls to help me know which forms and/or legal documents they would need make a distribution that does not involve the probate of her estate. 

USAA has consistently been unhelpful and not able to provide me with what would be required if my mothers estate was not going to go through probate. 



Please note the following facts. 

Although my mother spent her last two weeks in XXXX  she died as a XXXX resident and her death certificate from the state of XXXX states that she was a XXXX resident. The attorney that has advised me on her estate is a resident and practices law in XXXX. 

USAA has ignored my requests to help me distribute the monies in the two USAA accounts and has sent me two checks made payable to the estate of my mother. 


USAA currently does not understand two issues that I have voiced in my numerous phone calls. First they told me that they will never have an attorney from USAA legal department communicate with me either by telephone email or letter what they need to close the two accounts with USAA. Lastly, USAA has consistently stated to me that they will not communicate with my XXXX attorney whos asking what forms they need and/or what process they would require from him to close the two accounts. 

Theyve literally said to have my attorney prepare a form send it in and then they will decide if they will or will not process the closing of the two USAA accounts. I find their directions and responses both confusing and very nebulous. 

For example when I asked what the time frame was for the closure of my mothers two accounts, they have literally told me the accounts would be closed at some time in the future and when I asked them for a specific time frame in accordance with the bank rules and the state of XXXX, they said I would have to wait and see that theres no clear-cut process or timeline, which I find unclear. 

Your help on this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: PA
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, 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 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 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 2018-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from XXXX, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Wells Fargo bank closed my personal line of credit without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them. That affects on my credit score and credit history. 

Wells Fargo charge interest and fees without explanation.

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 2021-10-21
Company: ENOVA INTERNATIONAL, INC.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Back in late XXXX my check book and purse were compromised so I had to close my checking account. So I called Net Credit and told them I needed to change my checking account information with same bank but different account. She said I couldn't change the information over the phone but to email XXXX and they can change the account information. She said send a copy of a new check. So I initially emailed them on XX/XX/XXXX with a pic of the check from my phone. Unfortunately my phone used my XXXX email which isn't associated with my account for Net Credit. I was asked to resend the information from the email associated with the account. So I did that. My next response was that they needed a " voided '' check in order to change the account. So I resent a voided check. Then the response was to send my ID because my name on the check didn't match the name on the account. So I did that. Then I get an email confirming the account information and responded with " I approve '' according to the directions. The next response was we can't change this account because there is a pending payment. I knew the payment wouldn't go through but they initiated it a day early. So I never heard back except that my loan is now delinquent which I was trying to prevent. I have sent several emails asking them to change the account with requested pictures ( previously sent ) as they requested. I have called and can now not get through to a person. I'm told the wait is 4-6 minutes but I've tried three times as of today to no avail. The account is still not changed online as of today, and they are initiating yet another payment on XX/XX/XXXX which isn't going to clear. I'm extremely frustrated with the lack of communication from this company, and what appears to be " stall '' tactics so they can charge me late fees and even higher interest. There is no option to make a payment online with a debit card or to edit your banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Investment Retrievers, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX - Called my ex-wife of 20 years ago to discuss my finances. 

XX/XX/XXXX - Told them to stop contacting me or anyone else. 

XX/XX/XXXX- Just sent me another email threatening me they are going to contact my landlord and other companies that I have worked with. 

Yelled at me ( ALL CAPS ) in an email asking me why I don't file bankruptcy and commenting on my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to obtain my annual credit report but was unable to. I was told to call the bureaus to obtain my credit report, which I did but I have still haven't received anything.

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 2022-05-26
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
VyStar credit union rolled out a new & updated app and online banking platform ( yes, both at the same time ). Neither work. Every account of all users is completely inaccessible for TWO WEEKS now. The only way is to go into the bank, call or atm, but you can not see your transactions. The CEO & other executives refuse to address members. They have only spoken to the local news to spin. Its further concerning that they have used an IT start up located in their offices in downtown town XXXX called XXXX. They are the only client of this XXXX  company and multiple VyStar credit union executives sit on the board of this start up XXXX. They awarded their own start up XXXX XXXX to handle this botch job. Smells of self-dealing to us members.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-04-28
Company: Aspen Yo LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have several rental properties and my home residence. Through covid 1p9 I received 1 stimulus check and nothing else. No SBA, no payroll supplement, or anything else. I think at tax time they gave me another like XXXX credit on my taxes. I say this to say even though there was a stay order for landlord to protect renters from being evicted and thus far roughly 10 % of my tenants have received emergency rental assistance covering 18 months when the shutdown was close to 24 months. Maybe more here in XXXX XXXX. The Lahaf approved me for XXXX. On my home where it's XXXX. Behind. This according to fees late charges etc. Then because the mortgage company did not write someone stating they were going to work with me in time the worker XXXX XXXX  withdrew my application. 5he email slaying it was withdrawn says when ready contact the LAH. The mortgage company then denied my forbearance application because it was now incomplete. Since the XXXX counselor said incomplete application they did too. The Gregory financial agent stated during a call, oh I see you have contacted the housing counselor. During this time another mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Iam writing to delete the following information in my file. The items I need deleted are listed in the report. Iam a victim of identity theft due to home robbery and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision, and I also enclosed copies of the Federal Trade Commission 's Identity theft affidavit. Please delete 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 2021-10-21
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:
I have call XXXX XXXX they provided with a letter that they deleted the chapter XXXX from t their data base XXXX got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies

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 2023-10-31
Company: EQUIFAX, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, at approximately XXXX, my cellphone started receiving hundreds of random text, calls, and emails from spams. The text showed access codes to multiple accounts such as XXXX, XXXX XXXX, bank of america, etc. I also received phone calls from XXXX XXXX according to caller i.d . with people talking in a foreign language I couldn't understand. Eventually, after about an hour of this activity I called XXXX to see if they could help stop the calls and text. They provided me with a scam block app and the text and calls stopped. At approximately XXXX on XX/XX/2022, I received a message from Bank of America stating my bank account was low ( under {$100.00} ). I immediately used my mobile app to check my account. At that time I noticed someone had called into Bank of America without my authorization and transferred {$7000.00} from my business account and transferred it to my personal account. Then they proceeded to charge {$290.00} ( 36 times ) withdrawing a total of {$9200.00} to a company called XXXX. I immediately froze my debit card and contacted Bank of America. I was told the claims dept didn't open until XXXX the following day. I contacted the claims dept. at XXXX on XX/XX/2022. I filed a claim and I was told to go to a local branch to open a new account. I complied. On XX/XX/2022, I received a message from Bank of America saying I authorized the transfer and they were unable to approve my claim. I called Bank of America on XX/XX/2022, advising once again I did not authorize any transaction or transfer of funds in the amount of {$9200.00}. They advised me they would review case again. Haven't heard from them since. PLEASE 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 monetary relief
Consumer complaint received 2021-10-22
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My account with the money source ( formerly with XXXX XXXX ) has been consistently put into forbearance since 2020. I have repeatedly stated that I never wanted it to go into forbearance. I have asked for the paperwork / proof that i requested the loan go into forbearance. I have been denied access to that proof, while each lender, currently the money source, keeps making changes to my account without my consent. 

I will repeat, my account has been repeatedly put into forbearance without my consent. Basically, changes have been made to my account without my consent. 

I have requested the proof of my request for forbearance from my lender and I keep getting denied that proof. I believe that all my lenders are complicit with the illegal activity being sanctioned against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Email : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 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.

Remove these late payments and update the account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-10-22
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A third party placed 2 medical debt on my credit report. one for {$5.00} and one for {$95.00} XXXX. I have medical insurance through my job. I also thought it was illegal to place medical debt on credit reports. I asked how did they get their balance without knowing what i was seen for and i asked what date was i seen and they said they didnt have that information so therefore it shouldnt be on my credit report as accurate because without knowng my service how do you really know this is what i owe, I also told them that knowing my balance is also 3rd party and i didnt sign anything giving someone authority to release my information about the balance or anything. This little {$5.00} that the credit agency allowed them to place on my credit report prevented me from getting a mortgage and its not right to destroy someone creditbility for {$5.00} and {$95.00}. Medical is against hippa to be on a credit report to hold someone in bondage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: DISCOVER BANK
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a late payment reporting on my Discover account on XXXX XXXX XXXX. I have tried to reach out to discover to fix this issue but have yet to hear back anything from them. I have a simple request/explanation as to what happened. During the month of XX/XX/2022 I was out of town to attend my grandmother 's funeral in XXXX. At the time I had my secretary make sure all of my bills were paid which included my cards, my rent, etc. All of these payments were made however for some strange reason I noticed my discover hadn't been paid. Of course I am with my family and I thought my secretary had everything paid so this is the last thing I am thinking about. As soon as I noticed my Discover account was not paid I made a payment that same day. I wasn't even more than a week late, it was a couple days after when I noticed and immediately made the payment. I love my Discover credit card and hope to do business with Discover in the future, however this was a huge life event which I didn't expect and as a result my Discover card was a couple of days late. I am asking for forgiveness and goodwill late reporting to be removed. This is affecting my whole ability to obtain credit in my life and it is not fair I have paid every bill in my whole life on time and one month where I had a family emergency I am being punished and will not be able to obtain credit for 7 years! I hope this can be resolved, again this is a situation out of my control and I don't think I should be punished as I have always been a 100 % on time customer and always pay off my card in full when I use it. Thank you for understanding.

Company response to consumer: Closed with explanation