BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday XX/XX/XXXX I tried to deposit a Check from the United States Treasury Department for XXXX cents. I had to call USAA to get them to increase my deposit amount to allow me to deposit the check via mobile phone. They increased my balance to XXXX, and the mobile app would not accept my check due to the XXXX cents. I then called back and spent another hour on the phone just to find out they couldnt increase the limit for a 12 hour period, and I was asked to try later in the evening ( XXXX ) or first thing in the morning. I again called back on XX/XX/XXXX and was now told they could not increase my deposit amount or allowance above XXXX. So they denied my deposit of XXXX cents due to the extra XXXX cents. They then asked me to mail in the check, and told me it would take at least 30 days to get the money in the account. What good is a bank if they are worried about XXXX cents. Furthermore, they work directly with the Department of Treasury on regulations, it should not be this hard to deposit checks from the United states government. I currently make more a month then the payment from the IRS. This company needs to be fined due to their activity, and for not accepting a check from the United States Treasury. Prior to this event, and before setting up this checking account I called USAA to ensure they could handle large amounts of money and I was told I would have no issues, which clearly isnt the case. This company has cost me time and money, as I now have to switch back to a bank that can accept a XXXX cent deposit. Furthermore, I would say this bank discriminated against me, as they allow other customers to deposit larger amounts of money then my small check. They need to be fined for that also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-25
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My PNC Savings Account has been attacked by unauthorized ACH Fraud. Starting XX/XX/2019 - today XX/XX/2019 I have had {$8000.00} taken from me as a result of the ACH fraud. Secondly, this has also had an effect on my PNC checking account where money was beginning to be transferred out due to unauthorized ACH fraud. All items marked in the account activity as ACH are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: Public record information inaccurate

Complaint:
I sent a certified letter to all three bureaus asking for investigation regarding inaccurate Bankruptcy that was placed on my credit report. I respectfully as for them to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I did not receive anything providing proof. Based on the letter that was sent back it was a little as three weeks from the date I sent my letter stating that this information was verified and accurate. I truly thought a real investigation was underway but it wasn't. I called and sent letters to the Bankruptcy Court, who explain to me in writing that they don't verify information with third-party companies, so how is it possible that the courts are the furnisher and I have in writing that they don't verify but XXXX and Transunion were able to verify information in less than three weeks. I believe that my rights were violated and I want some help with exposing this erroneous account off my credit report. XXXX did even give a course to even respond.

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 2021-07-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX 2021 I mailed, via certified mail, return receipt requested, my standard mortgage payment to Bank of America , N.A ( " BoA '' ). ; i.e. the monthly mortgage payment of {$1600.00} and an additional principal payment of {$200.00}, for a total of {$1800.00}. The payment was due on XX/XX/2021 and postal records show the payment was delivered on XX/XX/2021. On XX/XX/2021 I received my XX/XX/2021 statement indicating that I owe current charges of {$1600.00}, past due mortgage of {$1600.00} and a late fee of {$63.00}. 

Re : BoA.Complaint No. XXXX : I contacted BoA ; spoke with XXXX XXXX, After being put on hold for approx.10 minutes, Ms XXXX informed me that Mr. XXXX XXXX stated that my mortgage payment had been applied to escrow, my additional payment toward principal and a late fee assessed. According to Ms. XXXX, he further stated that when payments arrive earlier than due date they are applied to escrow. Totally bogus explanation. I have been a BoA customer for 31 years and always paid my mortgage earlier than due date ; this never happened before. I filed a complaint but do not have any faith that BoA will timely resolve this matter.

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 2017-09-15
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In a letter dated XXXX XXXX, XXXX, a Debt Collector by the name of NRA Group , LLC, stated that XXXX SCRIPTS, has indicated a delinquent debt of {$250.00} that is owed to them. EXPRESS SCRIPTS is the pharmacy provider for my employer 's private insurance provided through XXXX XXXX XXXX XXXX XXXX. The only phone number provided for XXXX XXXX was XXXX in which to make a payment. I contacted our XXXX XXXX XXXX XXXX XXXX XXXX, a service provided by my employer to assist with benefit resources. 

They were able to determine that the actual pharmacy involved was XXXX, a specialty pharmacy that is a subsidiary of XXXX SCRIPTS. XXXX was able to contact them and arranged a conference call with XXXX on XXXX/XXXX/XXXX. We spoke with XXXX of XXXX and asked for the date, medicine, and individual that this was prescribed for. XXXX indicated that this was a medicine that they had filled for my XXXX year old daughter, XXXX. 

I specifically told XXXX that we never were told by XXXX when they arranged the shipment to XXXX 's doctor that there would be a {$250.00} co-pay, they never sent us a bill, either XXXX nor XXXX SCRIPTS, and when asked, XXXX stated XXXX, you 're the primary insurance holder. '' I told her the debt was not mine and they should 've sent a bill. XXXX stated that it was probably sent to the doctor 's office. 

XXXX is supposed to send a bill but stated it XXXX take up to XXXX weeks before I will see it so that this can be submitted to my daughter 's secondary insurance ( which they never asked for XXXX. 

Complicating this issue is the fact that XXXX stated that this was for a Lupaneta XXXX, which was never prescribed by the doctor. In fact, XXXX attempted to send that out but we stated that it was never prescribed and contacted the doctor 's office to ensure that this had not been ordered by their office. The only medicine prescribed was a XXXX single pack.

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 non-monetary relief
Consumer complaint received 2018-09-22
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a XXXX XXXX debit checking account for several years, last able to be used around 2016. As their app provides instant notifications, I noticed a fraudulent attempt to transfer money out of my account. I immediately notified XXXX who was able to stop the transfer out of my account. To prevent this from happening again, they said they had to close my account ( rather than just issue a new card/number ). My account was closed and I received a check for the balance. My problem is the bank will not open a new account and continues to tell me it is a technical problem that's being worked on. It has been two years and I would appreciate the opportunity to bank with them again as I like the service they offer ( budgeting app on phone ). In this day and age, I refuse to believe that someone can not override or reset my information and allow me to apply successfully again. I've seen others who had the same experience after reporting fraudulent transactions. I don't know anyone who hasn't experienced some sort of fraudulent/incorrect transaction at one point or another, so I would imagine eventually the bank will cease to exist as they will have closed everyone 's accounts. Somethings not right here or someone isn't disclosing their true business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: STERLING JEWELERS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I never had kay jewelers. They threatened to take me to court for the debt. I told them I was in XXXX so I guess the used that against me. They say it dosent matter how many disputes you get you must pay

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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX/XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late plus icon Add Another Item to Dispute

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 2020-07-08
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 the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my 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 2021-02-10
Company: EQUIFAX, 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 55 days they have not updated my credit report. They keep sending me verified item but arent really telling me how these investigations were being conducted. I have placed phone calls ; they have ignored all my requests to delete these inaccurate items off my credit. At this point I feel as I am being taken advantage of and would like for specifically XXXX XXXX XXXX to delete these inaccurate accounts off my credit report at once. I demand for these unfairly reported accounts and inquiries to be deleted or I will file for litigation due to the XXXX you have brought upon my family. My information was also impacted by the Equifax data breach and might have gotten into the wrong hands. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interests every year. Therefore, this is not just a regular dispute as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  and to my knowledge I do not recall any of these accounts. I need this problem resolved as soon as possible. I will not wait another 55 days to receive no favorable or inconclusive response, for clearly you are ignoring my request to re-investigate and most importantly delete these unfairly reporting accounts off my credit report. I will file for litigation due to the XXXX you have caused me unless we agree to delete. Please keep in mind in section 611 ( a ) it is plainly stated that a failure to investigate properly within 30 days gives a reason to immediately remove those items from my credit report. It has been 55 days, so they should be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Absolute Resolutions Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to ABSOLUTE RESOLUTIONS INV reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Ditech Financial LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
DiTech is the subordinate lender to a home that foreclosed and sold at auction in XX/XX/2018. The first lender charged off the debt shortly after the auction but DiTech has been dragging its feet in closing out this account/charging it off. I've made numerous calls and was once told that the charge off had been approved and was going through the routing process. Now in more recent calls, no one can tell me what is going on with my account. DiTech is dragging its feet! I haven't owned this home for nearly 1.5 years. My last payment to DiTech was nearly 4 years ago. They need to dispense with my account immediately. DiTech is a horrible company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: CO
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:
Equifax is reporting an old XXXX XXXX  card as a charge off. It was paid by agreement with XXXX XXXX  and is not a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citizens Bank charged me three insufficient overdraft fees totalling {$100.00} for an account that was overdrawn by {$8.00}. I was not given notice either by mail or email I was being assessed such excessive fees for such small negative amount of money. I called Citizens Bank and the representative explained me that she couldn't reverse those fees because I received alerts on my online banking, which I would only know if I logged into my account. The overdraft fees charged by citizens bank are excessive and charged without notice to me. This practice is deceitful and unfair to any consumer. Citizens Bank has been sued multiple times for its unfair overdraft fee practices. I was an affected member in the past in some class actions against Citizens Bank unfair overdraft fees assessment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/18 received letter from XXXX stating my card # XXXX which never had a late payment was being closed because they did not have a physical address for me.The phone # ( XXXX ) they used to contact me was temporarily not viable because I had moved, the # is now active .I called the XXXX bank and spoke with mangager XXXX on XX/XX/18 about closing the card she was very rude and unhelpful.They could have contacted me by mail but went right to cancellationI 've had the card for years with no problem all that time they did not have a physical address.My main concern is that this cancellation will negatively affect my credit.I 've been a very good customer for years if they don't want my business that's fine but having a negative issue on my credit rating for no good reason is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: CITIBANK, N.A.
State: NY
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:
knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am making this complaint because your company keeps claiming that my letters that I keep sending directly to you by mail were are being sent by a third party or someone other than me. That is not the case. I, XXXX XXXX, am the one making this complaint.

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate this alleged debt. This alleged debt is not mine. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of this invalidated and inaccurate account below. Therefore, if your company continues to report this invalidated and inaccurate account you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 


XXXX XXXX XXXX Account # : XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. Pursuant to 15 USC 1681b, you can not report anything to my consumer report without my written consent. By law you have 30 days to provide me with this proof or this inaccurate and invalidated account must be removed from my report. Failure to provide me with the requested proof of the signed consent that I allegedly gave to your company within the 30 day period, will require me to follow up with whatever action necessary, as your company is in violation of my rights under the FCRA and the FDCPA and your company will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n and the Fair Debt Collections Practices Act, 15 USC 1692k.

I have provided all of my personal documents, MY LICENSE AND PROOF OF ADDRESS that will be needed to process this complaint and locate me in your system.

Please send me an updated copy of my credit report showing the deletion of this inaccurate account.

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