BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received a letter from USAA indicating that my savings account was overdrawn. Since I had not accessed that account for over a year, I went online to check what was going on. 

Staring XX/XX/2020 USAA allowed a XXXX XXXX XXXX ( a person I do not know / am not related to ) to set up monthly ACH withdrawals to XXXX XXXX XXXX  to pay his bills. The first ACH was for {$170.00} and the four subsequent ACH 's were for {$130.00} each. 

Needless to say, I am not XXXX XXXX, nor have I ever heard of him. Further, I have never heard of XXXX XXXX. 

I immediately called USAA to rectify this problem. The customer service representative indicated that it was completely USAA 's fault - it is in their records that they have the ACH payments going to XXXX XXXX on behalf of XXXX XXXX XXXX. Further they indicated to me that they do not cross reference routing and account numbers with the person 's name on the account. Put differently, they were given the USAA routing number and my account number and set up the ACHs in the name of XXXX XXXX and they never checked to see that I am the owner of the account, not XXXX XXXX. 

They issued a stop payment but have so far refused to return the {$700.00} to my account that they allowed to be fraudulently removed. I have called them four subsequent times and have been given the runaround and they refuse to connect me with anyone who can rectify the situation. The only thing they say is that a fraud investigation needs to be completed. However, they have not provided me with the means to approve an investigation ( no letter and the email they sent me to sign has a broken link ). 

Again, this is 100 % USAA 's problem. Their fraud controls failed and they have admitted their mistake, yet they won't give me my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2021-08-20
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied the XXXX gold card with amex and checked with the online agent to confirm that I will get {$150.00} shipping credit. However, amex denied the offer and refused to offer the credit. Please checked the attachment for the chat transcript since I opened the account and the response from different aget with different answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX, GA

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 2019-10-11
Company: Collection Resources, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not know who this company is nor is this debt mine. I have received no notice of this debt either. I was only made aware of this erroneous collection attempt by a notice from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They took {$200.00} from my bank account as a security deposit. I had to wait until I received the card to cancel it and that took ten days. Once I got the card I canceled it but I was told I wont get the money back for 2 months and then it would take an additional 10 days for a check to be mailed back to me. I am on a tight budget and cant afford it. I did not even use the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.

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 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XX/XX/2019, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXXXX XXXX and there are several inaccuracies. 
1. XXXX  XXXX XXXX and XXXX and XXXX accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the XXXX XXXX. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX XXXX XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report. 
1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC.

2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA

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 2020-05-08
Company: EQUIFAX, INC.
State: LA
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:
This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As the file will indicate in the recent past we have had issues regarding the cost to reinstate in order to decide weather to do a short sale, deed in lieu or reinstate.On XX/XX/XXXXI spoke with an SLS rep indicating that we had an offer of {$220000.00}. The SLS rep said that the file was closed and she would send out another short sale package. we never received the package. On XX/XX/XXXX I spoke with XXXX at SLS requesting permission to submit a short sale offer and the reinstatement amount.she said she would fax me the reinstatement amount and did n't think there was enough time to do a short sale.Had SLS sent the application when they said they would there would have been plenty of time. As of today we have not received the promised reinstatement amount. A new request for permission to do a short sale will be sent by close of business today

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 2019-10-11
Company: Jim Bottin Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been contacting my son who is a minor to collect the debt. He has told them that they need to speak to me, but they still call him.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
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 a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.

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 2020-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXXXXXX customer for both checking and my mortgage. I am current on all mortgage payments. I made an extra payment against principal in the same way I had previously by transferring {$650.00} from my checking to my mortgage on XX/XX/XXXX. That amount was deducted from my checking but never credited to my mortgage. I have spent at least 10 hours on hold and trying to reach and talking to customer service in both the mortgage and checking departments. I have filed an internal complaint and messaged them using every method. It has been 2 months and they have taken my money but neither credited it to my mortgage nor returned it to my checking. I was told at one point that I may just have to file a suit to get it back. This is their error and they need to fix it, but the total inability to get help makes it impossible. I have been a  customer since XXXX and have never been in default on anything. I dont know how to make them give me my money back.

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 2019-10-11
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ive reached out to Sun-trust recently about the closure of, y account and there statement was that after an investigation into the check deposited on XX/XX/XXXX19 they would release funds. I've tried to provide them supporting documents that show that the check was valid as well as a contact number and emails from the lawyer. But they are refusing to allow such they have even refused to provide me with a way to get in touch with there arbitration Dept. I spoke with 6 representatives today XX/XX/XXXX2019 and heard several conflicting stories so while i'm here in Texas I decided to record 2 conversations ( which is legal in Texas with one parties consent ). They stated that the funds would be returned to the sender then i called back and they stated the funds would have to be requested from the Bank on the check. The accountant XXXX From the law firm was also on the phone and heard this and was baffled and spoke with the rep who stated that the funds would be return. Then she was even more baffled to know that the story changed. In the mist of this i was told my account was closed due to depositing a fraudulent check. also to add they took put a paycheck i had direct deposited in the account on hold as well. XX/XX/XXXX has stated that the check has cleared and they arent requesting the check back and Suntrust has no right to hold my funds on suspcion of Fraud. Theres nothing in the agreement i singed that says they can do such. Suntrust has the right to close the account when they see fit but they dont have to right to hold funds until they fill fit, In the agreement i signed it says that suntrust will release fund upon clossure of the account and the account is closed. ( see all attachments )

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 2019-10-11
Company: National Collection Systems, 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:
Previous Complaint No. : XXXX National Credit Management has received information from XXXX College directly stating my debt to XXXX College has been paid in full. National Credit Management, however, is still reporting this debt as unpaid on all of my credit profiles for XXXX, XXXX and XXXX. 

I have attached the paid receipts and a letter from XXXX college XXXX XXXX office stating my past due balance has been PAID IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Commercial Trade, Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX   or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The collection agency is Portfolio Recovery. They have been calling multiple time a day from different scrambler numbers. Their hours of operation are XXXX Eastern Time. I live in California and they are calling me before XXXX. At XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My personal information was compromised about 3 years ago due to Equifax 's negligence to insure reasonable security measures of all consumer personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CITIBANK, N.A.
State: AZ
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:
Citibank closed my Platinum AAdvantage account ending in XXXX in the month of XX/XX/XXXX, and did not refund me for the unused annual fee of {$99.00} which was billed on XX/XX/XXXX. I have called multiple times, as well as have a record of the customer service chats where customer service agent XXXX advised on XX/XX/XXXX that the credit would be applied on the statement closing on XX/XX/XXXX, and I also have a chat record with agent XXXX on XX/XX/XXXX who advised she could not issue a credit, but to call a specific number and a supervisor " will be happy to help you in this. '' I called the specified phone number, spoke with agent XXXX  ( employee ID XXXX ), who advised she could not/would not waive the fee, even though I continued to explain the account was closed/there is no reason to charge me the annual fee. She advised her supervisor XXXX ( would not provide me an employee ID/number ), also advised they would not waive the fee. I am simply requesting credit for an annual fee on a closed account, I'm not asking for credit toward on an annual fee that is an active account. If further documentation is needed please let me know, as I have records of the customer service chat ( s ) where I was advised I would be credited back.

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 2019-10-11
Company: The Bureaus, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a account open fraudulent so The Bureaus got that account in collections. I called them after many letters and I settle that account and paid {$260.00} on XX/XX/2017. They sold the settle account to another company and they want me to pay {$340.00} to settle it again. They have harassed me over the phone. I am XXXX and Last year I XXXX my baby from XXXX and I do not want to happen again. I paid that account and they are a dishonest company because they got the money and now pretending that they never got a payment. I need your help to solve this situation.I get hundreds of phone calls and when I speak with them its horrible how they treat me and make me feel like if I don't pay something bad will happen to me. I'm worried about my baby. Please just make them see that i paid that debt 2 years ago. Please just make it go away. God knows I paid that debt that was open without my consent. Please I beg you for help. I can't take any more of their phone calls. I am not working and I can not pay what they ask but that account should be close because I paid it 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My personal information was compromised about 3 years ago due to Equifax 's negligence to insure reasonable security measures of all consumer 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