BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
USAA is refusing to close out a joint checking account that I have with my ex girlfriend listed as a secondary. There are no fees associated with the account, no automatic payments, no overdraft protection, no balance, and no recent activity on the account. The representatives have only given me the reason that they want to talk to her about " another bank matter ''. This stands in violation of the Depository Agreement. I have a chat transcript with a representative for USAA indicating that they are not willing to close the account on this basis and that the account has been cleared for closure in all other regards, " With my report made, and having qualified the account for closure. Was there anything else I may look into for you today, Mr . *****? ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions Inc.
State: VA
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 submitted a second dispute with Experian XX/XX/2019, after first being told my intitial dispute was not submitted correctly and without the supporting documentation that the then MANAGER told me had just been " floating in limbo '' or something to that affect, therefore not resulting in the deletion of a specific account that has been removed off the other 2 adjacent credit reporting bureaus along with the same evidence and direct request from the original creditor, which the manager admitted to himself was clear as day on the document. On today, XX/XX/2019, I received notice that not only was the dispute STILL NOT resolved, but with absolutely no reasoning WHY, when I have contacted the original creditor yet AGAIN, as they say they sent the same documentation requesting it be removed as I have sent them myself. I am unsure of why Experian is giving me this extraordinary POOR customer service on numerous occasions but I deserve not only an answer but my report to be reflected ACCURATELY amongst the disputes I am trying to resolve.

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 2021-04-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received 3 unsolicited Debit cards in the mail in the last few weeks. I have tried to contact the banks to cancel the cards, but not all banks were helpful. 

Chase bank : was able to cancel the card, but charges were still submitted before it was cancelled.100+ charges for les then XXXX XXXX for {$160.00}, but they also deposited the same amount. 

XXXX : Card arrived, but never activated. Tried to call. but they wanted too much info. 

XXXX thru XXXX : XXXX arrived, but never activated. 


Actions : contacted local police and filed a complaint. 

Filed a credit report fraud and put a freeze on the credit agencies for 7 years. 

Contacted my credit cards to notify them of what was happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
Hi! 


i would like to file a complaint om XXXX XXXX, XXXX XXXX, XXXX  and experian because theese companies are reporting inaccurate information to my credit report. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from XXXX XXXX stating the car loan was paid in full and that I overpaid the account and they were refunding me. 

In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a XXXX XXXX representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. 

I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving 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 2022-08-10
Company: ACIMA CREDIT, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
an account was opened in my name in XXXX  at a XXXX XXXX XXXX  This is not me I have never opened an account at this company. I was made aware of the situation when I bought my new car. XXXX reported it on the credit report I have reached out to XXXX and also the company that reported it as not paid and turned over to collections. The company in question is ACIMA DIGITAL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Advanced Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My account was referred to a debt agency which I reached out and attempted a settlement. The debt is approximately {$4600.00}. Upon speaking with the first agent I was told a settlement of 70 % of the debt would release liability for one party but the other party on the debt would remain responsible for the remaining balance. I did advise I would call back when I had the funds available. During the time ( less than XXXX weeks ), I received multiple phone calls on my cell phone which I did not consent to but never left a voicemail I can only furnish the phone logs, when advising the agent of TCPA laws i was advised in Florida they do not have to adhere to those laws. I continued to ask about the settlement in my last call and was advised it was never guaranteed and the " manager '' XXXX XXXX is declining a settlement. I asked the representative XXXX XXXX to pull the phone call from my original attempt and she advised me they do not record their calls and her peer is not a liar in her documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Santander Bank is attempting to collect {$1500.00} that I do not owe them. The debit card charges making up this balance is the result of identity theft. I will NOT pay this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2021-01-21
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company called Americollect Inc has reported a medical debt for collections to all 3 credit bureaus despite being provided with documentation showing that the {$330.00} charge was paid to the hospital on the date of service ( XX/XX/19 ). I have also attempted to have the credit bureaus correct the knowingly false information that was reported, however they have not been of help in correcting the error. 

I have attached the EOB from the insurance company showing that the {$330.00} is part of the total that was charged to my credit card on XX/XX/19. I have also included a copy of the credit card statement showing the payment to the hospital ( SSM ). Please note that the hospital offered a 15 % discount for paying the balance in full on the date of service ( {$1100.00} - 15 % = {$970.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Capital has continued their malicious acts on my account. First by blocking use of my debit card online, and then in person. I called and they told me that the card was fine ( lies ). They placed hidden restrictions on my card since I filed with the CFPB. 

Now capital is continuing their assult by preventing me from withdrawing my funds from my account. Which is completely illegal what theyre doing just because I filed a complaint. 

They also starting sending me updates and constant emails on my account. But when my account was hacked and I lost XXXX $ + I rarely got a email and when I did it was days late. I attached proof. They never contacted me, and I always had to contact them first and they lied to me numerous times about when I filed the claim etc. They just started sending me email updates, but during the whole investigation I received nothing and I filed 5+ claims totaling over XXXX $ loss. They tried to obscure the meaning of scam, fraud, and dispute. To fit their agenda so I started recording phone calls, every since then they have been after me trying to cut access to my own money, account, and earning. This is illegal and they think they can do it without any repercussions because they will lie their way out of it. Not this time! 

This is really messed up, because Ive been advised to avoid all contact from capital one but they just keep harrassing me doing malicious things to me when I just got XXXX taken from me through unauthorized transactions from capital ones poor security. Capital one is fine if you have less than XXXX, but I strongly advise not to trust capital one with more than XXXX unless you have connections to a higher up in their scheme. 

I have been advised to not speak to capital one until they answer the ftc compliant and cfpb, but they are trying to bait me into calling by obfuscating my account with no clear reason. With nothing sent to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit acceptance XXXX XXXX there was no action taken by me the company attempted to collect a debit it is now 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 explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I submitted a dispute to XXXX, Transunion and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.

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 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am banking with Capital one bank for about 5 years. I have checking as well as savings account with them. On XXXX XXXX a person to person money transfer was made from my account of {$600.00} to a person named XXXX XXXX by XXXX money transfer company. This transaction was not intiated or authorized by me.I called the Bank 's fraud hotline and made a complaint about it. They blocked my account for all transactions until they investigated about the problem Theyclaim that this transaction was authorized from my mobile phone and my password was used. I told them that my password is secured and my phone has been in my possession all the time during this period and I have a password on my phone also so no body else can open my phone. 
The bank is holding {$600.00} from my account and not crediting this money to me. It is bank 's responsibility to keep my account secure so they are liable for this money. I do not know the person to whom the money was transferred and I have never used XXXX company for money transfer in my life.Please help me solve this problem as soon as possible. My checking account no is XXXX from which the money was transferred by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Contacted XXXX no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services

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 2020-03-25
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Multiple times ( no less than 5 times ) I have sent authorizations to this company for my wife, XXXX XXXX, to be able to speak with them about anything regarding my loan. Each time, they have ignored it - until a previous complaint when they responded that they now have it recorded and in their records that they may speak with my wife. When she called them today, they told her that they could not find any authorizations in their records. This is now appearing to be intentional on their part to not speak with the person I authorized. I have copies of e-mails stating that this was taken care of by them, but they are still not cooperating. I am on the XXXX all day long and the only person who can handle my questions and issues is my wife.

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 2020-06-25
Company: PENTAGON FEDERAL CREDIT UNION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I XXXX XXXX XXXX opened up the account in XX/XX/2020 and they sent me a Statement with my Routing number and checking account number and member number, and they still have my account on hold and my money is from : Social Security Administration, Retirement XXXX Insurance I won a Lawsuit in Indiana.And Pentagon Federal Credit Union has frozen my Account and I have not received my money for XXXX XXXX because Pentagon Federal Credit Union has a hold for no reason

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 2021-08-19
Company: EQUIFAX, INC.
State: CO
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:
I filed a written dispute about fraudulent inquires with Equifax and XXXX XXXX I provided my police report my affidavit and sent it certified with my ID, Social Security. I received did not receive a sesponse. I then submitted a dispute on line again yesterday XXXX and today XXXX they send me a response saying they inquires are a factual record of fill they know its fraudulent and didn't even investigable because if they did they would know they are fraudulent. I contacted the creditors and was told they requested the fraudulent inquires to be deletd. Equifax did not do any investigation what's so ever please review documents inclosed. They are in violation of reporting fraudulent and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Union Home Mortgage Corp
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan estimate was on XX/XX/XXXX XXXX closing - went to XXXX, lender said it was fixed back down to XXXX Payment per month went from XX/XX/XXXX XXXX estimate to XX/XX/XXXX XXXX in pre closure document but now on CD its XX/XX/XXXX. XXXX, this is the 3rd CD I got in a day. First was XXXX a month! XXXX more a month wow. Now lender is saying PMI because of income to debt ratio. Which he had me get a car loan out of my name to get me where I needed and now this. Did that for nothing Companies are union home mortgages and the lender is XXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-03-25
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2017-12-09
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XXXX, I took out a loan with Big Picture Loans in the amount of {$800.00}. On XXXX and XXXX I made two separate payments of {$320.00} each, on time. My loan is current. In XXXX, I filed a complaint with CFPB. Big Picture Loans offered me a settlement in the amount of XXXX however ; this settlement did n't not include my previous payments made totaling in {$640.00}. Also, on the site, my account was placed in Past Due status and all other information was removed. When I inquired about this with one of their representatives by phone she inform he me that my account was being handled by another specialist branch of the company and could n't give me any information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized charged to XXXX for {$34.00}, and now my account is still is negative XXXX when I put {$20.00} in my back account on XX/XX/20 at XXXX when it showed XXXX negative. I submitted fraud when I say the account negative. I reported to XXXX than spoke with another rep XXXX that works in fraud department. I do not have any business with XXXX  the only and I do not use the account for anything but to deposit cashier check to pay my mortgage I have never made any transactions with my debit card but one to use the ATM for XXXX I think a representative at U.S Bank gave information to XXXX. Can please looked at this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief