BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I filed an oral and written complaint with USAA, the oral complaint was given to Bank Employee XXXX, and the written was provided to this Bureau, because, among other things, Firstly that USAA breached our Loan Agreement in applying supposed unpaid fees after curing a default, Secondly that USAA violated our Pre-Authorized Transfer Agreement by taking more money from my account than agreed upon as well as failing to notify me of this transaction, that varied from previous amounts, at least 10 days before the scheduled transfer, and Thirdly that after giving this complaint to Bank Employee XXXX and requesting how the Bank found this appropriate, XXXX informed me, after a nearly 20 minute investigation, that the Bank deemed it appropriate and that this appropriateness was based on some agreement other than the Loan Agreement and that the Bank would not share this agreement with me. Even though the Bank had a duty to provide it to me. 

On XX/XX/2019, 59 days after submission of this complaint, and one day before this 60 day deadline, USAA responded to my claim, in substance, only saying that the above mentioned events are appropriate due to our Loan agreement itself. 

On XX/XX/2019 I provided my feedback to this complaint, and disputed USAA 's statement, as well as requested any and all investigative documents. 
About a week or two later I left a voicemail to XXXX XXXX, a member of the Office of Bank President, who attempted contact with me after submission of this complaint, and made a similar request, as well as a request acknowledging my this request. 

As of this day, XX/XX/2019, 55 days since making the request, USSA has failed to send me any documentation supporting the claims made by Bank Employee XXXX, or any supporting documentation for the 59 day long investigation the Bank undertook. 

This is of course another violation in and of itself as 12 CFR Part 1005.11 ( d ) states clearly that not only was USAA supposed to include in both responses that I had the right to have these documents, but that they must ACTUALLY deliver them to me. 

USAA and/or the Bureau, should only contact me by the email provided or by mail, as I am currently without a phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-26
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
Inaccurate information reporting on credit. Inaccurate name, Date of Birth, jobs, etc.

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 2022-10-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I filed a complaint with your agency XXXX American Express after multiple letters and emails from me, finally responded to the Government with a bogus, lying explanation. 

I have multiple emails to me from different people who told me, my card did not exist on their system ... .my card which says XXXX. 
THEN ALL OF A SUDDEN WHEN THE GOVERNMENT IS LOOKING AT THEM, they come up with a lame exuse that I cancelled the card. What????? Why would I cancel a XXXX XXXX XXXX. 

AMERICAN EXPRESS HAS NOW LIED TO A FEDERAL AGENCY. 

I demand a full explanation. when was this card issued? What records ( all of a sudden after 4 months of inquiring and being told their computer doesn't have a record of my card, they come up with this wild story " i '' cancelled it??? WRONG. 

IF SOMEONE GIVES ME A CARD WORTH {$100.00}, i DON'T CANCEL IT ... THAT IS A NUTS STORY THEY GAVE YOU. 

YES, they called twice, but never answered the phone when I returned a message. Ignored my voicemails when I could be reached. 

American Express has lied to you. My plastic card has prepaid gift card phone number on back of it. An XXXX number which I initially tried ... .but their computer had already erased it because it expired... according to card front in XXXX -- during the height of the covid lockdowns, so it was never used until I tried in XXXX. 

I ask the government to keep this open. American Express is lying, bluffing, failing to honor a pre paid card ( per the card itself ) and changing its story already in emails to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Medical Business Bureau
State: IL
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:
I recently sent Medical Business Bureaus a request for validation not verification a debt placed on my credit file with a cost break down of the debt said owed referencing account XXXX on XX/XX/2019 with signed Hippa Release in my handwriting authorizing Medical Business Bureaus to access or retrieve my medical files and or procedure which is totally private. They responded with no validation of debt but my full medical procedure and records photo copied again without a Hippa Release form with my signature which is a violation of my Hippa Rights. I am proceeding with legal action as prescribed by law against Medical Business Bureaus for having my medical records in their presence without a noted Hippa Release form. Failure to manage risks to the confidentiality, integrity, and availability of PHI is what XXXX XXXX has violated and created.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries have appeared on my credit report by these creditors XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The Small Business Association funded an EIDL Grant for {$5000.00} on XXXX XXXX, 2021 and {$10000.00} on XXXX XXXX, 2021 to my Huntington bank account. I have yet to receive those funds. I have contacted the SBA and my bank about this and my bank claims they never received the funds. SBA says the funds were ACH on the above dates and the funds have not returned to them. This funding is a business grant and as of today 's date, I have not received those funds. Please advise. I can reached at XXXX and XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX I was made aware that XXXX XXXX had reported XXXX separate late payments on my credit report from XXXX & XX/XX/XXXX and XX/XX/XXXX. This mistake led to me having to call the company several times over the course of 3 days from XX/XX/XXXX, up until XX/XX/XXXX, in an attempt to have them correct their error, an error which also led to my credit score reflecting an inaccurate number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
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: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly 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 2023-11-24
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: Information belongs to someone else

Complaint:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-10-04
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
A few days out of the past week I tried calling Nelnet XXXX. XXXX I waited over XXXX minutes, no answer. The second call, I waited on hold over XXXX hours. No answer. I sent an email message, no answer. I applied for the XXXX XXXX  and the student loan.gov website says my payment should XXXX, and the Nelnet online portal says Ill be charged XXXX within the next XXXX weeks. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted on XX/XX/XXXX at approx XXXX from a spoofed number. I asked the person calling what the purpose of the call was and who was calling. the gentleman told me that he had all of my information and needed to confirm my identity. I asked several times for the name of the company and why he was calling from a spoofed number. he finally identified the company as ERC but did not state the purpose of the call, instead repeating that he had all of my contact information. He asked if I still lived at an address I sold over 25 years ago and I told him that I did not live there any longer but assumed that he was calling about a debt. I told him that I dispute any debt associated with that address since I rented out my home for a few years before I sold it. 
I repeated that I would like to know what company he was calling about and when he would not answer I told him to mail me a statement and not call again. It is a supposed debt from XXXX cell phones which I dropped as a carrier 2 years ago. I have disputed this claim for 2 years, I paid off any debt so that I could unlock my phones when I changed carriers. I called and asked for my final bill and paid it in XX/XX/XXXX or XXXX i do not owe XXXX any amount since the call I have received numerous calls from more spoofed numbers and a few emails from ERC. I would like them to stop using spoofed numbers and a clear called ID which they do not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: REGIONS FINANCIAL CORPORATION
State: WY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received emails indicating that 2 accounts had been opened in my name and that standard overdraft coverage for ATM had been declined. I never opened any accounts with Regions Bank and tried calling them to resolve the problem. They would not look up the accounts without me giving my social security number. They told me to file a complaint with the consumer finance website.

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 2019-12-20
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:
XXXX XXXX XXXX  ( The original creditor was XXXXXXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and XXXX XXXX XXXX keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID. 

I have asked XXXX  to remove this item.

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 2017-07-14
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the process of trying to pre-qualify for a mortgage loan and I have a collection account from Credit Protection. I tried to call the company to try and get the balance taken care of but the company will not work with me. I do not have any written documentation that justifies the balance they say I owe them. The account has been reporting on my credit report since the XXXX of 2015. I desperately need this situation rectified.

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 2023-03-15
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank charged me 7 fees because they " decide '' how and when to post your money and allocate funds. I deposited enough CASH ( which should be available instantly according to their XXXX  ) to cover my overdraft charges. I figured since I covered them all that if I overdrafted again I would get ONE charge so I made one charge. Well they didn't post the cash and they didn't apply it and left everything pending and charged me 7 overdraft fees @ XXXX each because they did the overdraft fees in batches ( one at 4 OD fees @ XXXX and then another for 3 for {$100.00} ) even though I had enough cash to in there to cover everything but ONE. They did refund four but refuse to refund two more and I refuse to pay the {$170.00} I owe them now, I told them I would accept ONE OD fee for {$35.00} and pay {$100.00} or whatever it comes out to be from my one XXXX dollar charge but they said since they waived 4 they wont waive any more then tried to upsell me a account with maintenance fees. I REFUSE TO PAY THIS BANK ONE CENT, I WANT THE ACCOUNT CLOSED and at this point i will ONLY pay the amount I owe without *ANY* fees attached or I won't pay one cent at all and they can keep tacking fees on while the account is stagnet until they close it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20
Company: Lamont, Hanley & Associates, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lamont, Hanley & Associaties claims I owe {$1.00}, XXXX to XXXX XXXX. Three XXXX XXXX money orders were mailed to the creditor, XXXX XXXX, several weeks ago to their payment address, XXXX XXXX XXXX, XXXX, PA XXXX. Two in the amount of {$500.00}, third in the amount of {$53.00}. It appears the payments were lost or stolen as they have sent account to collections agency. The receipts have since been discarded, unfortunately, no way to show they were purchased and mailed in. Please advise the collection agency I will not make a duplicate payment as I have already paid and if payments were lost/stolen that is unfortunate for both parties. However, I will not make another payment. Please advise the collection agency to remove account from credit bureaus, if reported.

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 2019-12-20
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I realized that my money was disappearing from my checking account I had with BBT in XXXX, NC. I went to the bank an discussed it with XXXX XXXX and she claimed that it wasn't the case. The second time I went again she claimed that she knew nothing about it. Then she asked for my social security number and claimed she mixed it up with another customer with a similar social security number and nothing was done. After all was said and done over {$20000.00} has been taken out of my account and little by little, she claimed they was putting it back after the claims had been sent to whomever took care of them. Now, on XX/XX/XXXX, she said they closed the account after months ago she said the account needed to stay open to receive the payback money that was suppose to be put back into my account. Only {$180.00} has been put back into my account and no one from BBT has tried to help me get my money back or even look into the matter. I believe that someone in that bank has taken my money.

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