BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA provided a letter indicating that they have chosen to close my checking account in ( approximate timeline ) XX/XX/XXXX without providing a reason. Upon calling USAA to try and resolve the issue, four different representatives were not able to find a reason as to why USAA exercised its right to no longer do banking business with me ; or that they were not allowed to disclose the reason. I was a loyal customer of USAA for nearly 20 years of my military career and had to move my funds to another bank. There was no opportunity to resolve the issue ( i.e., was it that not enough funds were in the account, was a signature missing, was my address not updated? ). After getting married recently in XXXX, my spouse who is also XXXX XXXX military set up a joint USAA account for us. I received a letter on XXXX XX/XX/XXXX indicating that after careful evaluation, USAA is exercising its right to no longer do banking business with me, with an effective close date of one month from the date of the letter. After calling USAA again, the response from XXXX representatives ranged from : " If USAA decides not to be your friend, then there is nothing you can do '' to " we are not even told the reason so we are unable to tell you the reason. '' This really begs the question of whether USAA is using some black box algorithm to flag accounts and there is not a human in the loop to actually go in and make sure that what is being flagged makes sense. There should be a reason provided as to why accounts are being closed, and an opportunity to remedy. Also, after my spouse ( who has been with USAA for over 15 years ) indicated that if we are not able to have a joint account that we will no longer do business with USAA. XXXX representative said thank you, have a nice day and the other offered to help close the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this date over 42 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 42 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation. due ti XXXX you caused me. my information was also impacted by the Equifax data breach and may have gotten in to the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Receivables Management Corporation of America
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of Identity theft for medical bills in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX I knew nothing about this until the collection agency sent a garnishment letter to my employer and I now have garnishment every week taken out on my checks. There was a judgement on me in XXXX and the collection agency process served the person that did this to me. We weren't living together nor married. Which she lied and told them that we were married so they let her sign for it. I have spoken several times with the collection agency about this medical identity theft that is going on. Which they told me basically it is up to them no matter what process I take to prove this is identity theft that they wouldn't take the garnishment off me. So I don't know what to do??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
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 homeless n cant provide to my two 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 2017-06-26
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I submitted a withdrawal request in the amount of {$7900.00} from Coinbase on XXXX XXXX, 2017. Funds were promised to be delivered to my bank account by XXXX XXXX. I have submitted a support request with Coinbase, but it has been 4 days, and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Experian Information Solutions Inc.
State: MD
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:
I had a past loan account with XXXX XXXX XXXX XXXX. I was late on the account and it was reported as such. I later was able to refinance the loan with XXXX XXXX XXXX XXXX. As a result of me refinancing my original loan ( still with XXXX ) XXXX created a new loan, new account number with updated terms of the loan. Unfortunately, XXXX reported the exact negative information that was reported in the original loan in the newly refinanced. This is not accurate. My credit report with all 3 reporting companies XXXX XXXX and Experian for several years continue to report that I had to loans with XXXX and both have the same late history being reported. I have disputed the information with each of the credit reporting companies with no resolution. I have contacted XXXX personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to 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 2022-01-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Despite my better efforts the original creditor has yet to be displayed on My credit report and the account still shows the opening date is 2014 more than 7 years ago. According to FCRA rules it's no secret that that should not exist there nor is it valid I'll add or verify above without the original credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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:
I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-14
Company: EQUIFAX, INC.
State: TN
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:
I got these negative items from unknown companies to show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Account has countless errors reported lost XXXX paid off they are reporting XXXX activity not valid and agreed to remove account. The account has been been removed over XXXX times from XXXX and keeps being readded each time it is readded I lose a major Tradeline now counting XXXX total for an account secured with my own money with perfect history for over XXXX years and under {$XXXX}?? 

They have now cost me over {$XXXX} this needs to be removed immediately

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 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Grandmas savings account has been on an XXXX hold since XX/XX/2019. Today has been 92 days. They have overdrawn her account -XXXX We have called numerous times, we have gone to the branch numerous of times and have only been told the account is under investigation and there is NOTHING we can do but to sit and wait. Well bills don't wait, and this has caused my Grandma to get a lien on her home, and to be evicted from the group home she is staying in, which is almost making her homeless, did I mention she is XXXX years old? This has harmed her health, because she is completely frightened by this. She gets her social security deposited in her savings account, which is her income and they have not let her access it. I have even brought in bills proving she is behind and if they would just allow her to directly pay her bills, but no, nothing. 
This is a nightmare, and Bank Of America has done this to numerous of customers and I don't believe this ethical, nor legal. I believe everyone has a right to at least know, what is going on with their own 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
Consumer complaint received 2022-01-11
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I traveled to XXXX XXXX XXXX and was persuaded into attending a timeshare presentation for XXXX XXXX. Unfortunately, I made the mistake of signing up for the membership. After a day or 2 I realized the company was scamming tourists out of their money and not providing the type of service advertised during the presentation. I notified them verbally and in writing on multiple occasions ( within the 5 days legally given to cancel ) that I wanted to cancel the membership. Despite confirming the account was closed because our credit card transactions were reversed/disputed, I still received notification that the account had been sent to Concord  Servicing Corporation in XXXX Arizona for servicing. I verbally confirmed with XXXX XXXX that the account was closed but Concord continues to say the account shows it is active and suggests that I call XXXX XXXX for this issue. When calling XXXX XXXX you end up in a Rabbit hole trying to speak to anyone which I believe is all part of the scam. People answer the phone and immediately hang up, phone calls go unanswered, voicemails go unreturned, etc. I continue to receive debt collection mail from Concord threatening to damage my credit if I do not pay them.

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 2019-09-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2019, PennyMac was contacted regarding the VA 's approval for my Veteran ex-husband to take over the loan for a previous joint loan we secured on our main home. This was a court ordered agreement that he would retauin the home and through the VA process, securing the loan in his own name. PennyMac was provided with all approval documents in XX/XX/2019 and has failed to process the loan in 6 months. They have been called multiple times over the six months and have refused to do anything to investigate or expedite the processing of this loan, removing my name and placing the loan in the name of my Veteran ex-dusand, who now holds the title to the property per a court order. 

My social security number XXXX The property is at XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Due to bankruptcy secured credit card account with Capital One was closed. Remaining balance was paid with secured funds however there are remaining funds due back to me. I attempted calling several times and no one assisted me. 
I am currently reaching regarding Master Card secured account ending in XXXX. The account was closed due to chapter XXXX bankruptcy. Last statement I received from Capital one was in the amount of {$200.00}. I opened the account in the amount of {$480.00} of secured. I believe I am due a refund. Please review and return my funds to me immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: SLM CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SALLIE MAE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SALLIE MAE reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2021-06-08
Company: World Acceptance Corporation
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 I received a email stating I had a new account with Chime. I had not signed up for an account. I assumed someone had mistakenly typed my email. On XX/XX/XXXX I received another email from Chime stating I should be on the lookout for a Debit card being sent to my old address. At that point I knew someone had to have fraudulently opened a checking account in my name if they had my previous address and my email. I contacted Chime and told them it was fraudulent and they shut down the account. They advised I file a claim here. I then checked my credit report and found no credit pulls by Chime, so that was very odd that a bank account could be open in my name without showing on my credit report. I also did not immediately see anything erroneous, but there could be a delay in reporting. If a perpetrator is found, I would like to press charges. 
I have also filed a report with the Federal Trade Commission.

Company response to consumer: Closed with explanation