BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I left the XXXX on XX/XX/XXXX after given two weeks notice of my discharge. As soon as I knew that I indicated that by filling out USAA 's transitioning service members resources. On XX/XX/XXXX I received no more income and since there wasn't any time to apply and be approved for normal VA and financial resources that Veterans receive I applied to several other financial assistance programs since and the only resources we ( my family and I ) have received was emergency food stamps as I was denied or received no reply for rent or utilities assistance, so my last option was to withdraw my retirement savings to prevent being sent a nonpayment of rent this month as well as paying for utilities and debts I owe. However, when I received this money and tried to deposit it, it was immediately put on hold and only less than 10 % of the balance was deposited, which I assumed had a {$10000.00} deposit limit. Because of these holds, which when I called today to see if they could remove it, they said they couldn't and wouldn't do anything until the hold was removed which is XX/XX/XXXX, which by then I will be sent nonpayment of rent this month and allow the landlord the option to begin eviction. I will also have more late fees for returned payments. I chose USAA specifically because I thought they would understand and be sympathetic to my situation since USAA only serves service-members and their families but now it feels like our only relationship between us is for debt collection. These holds also prevent me from preparing to move out of our house this month to attend XXXX  school. I can't afford to wait until the XXXX to use my money and because of this I can no longer recommend USAA as The Service-members Bank as my treatment from my transition to civilian life has been a nightmare due to them. I will probably have to go into more debt just to not have my family and I be homeless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX XXXX American Express credit card back in XXXX 2022, which on the page I applied it advertised I could receive XXXX bonus delta miles after applied and used {$XXXX} in the first XXXX  months. I still haven't received that advertised bonus mile and when I called them they are saying only new customer could receive this offer which there is NOWHERE stating that on their website when I applied ( I used to have a different AMEX credit card but I close that account couple years ago, but they are saying I am not a NEW customer... ). 
It is absolutely not acceptable, completely false advertisement and scam. The ONLY reason I applied for this credit card is to get the bonus milage from XXXX and I did spent {$XXXX} after I opened the account. 
Also AMEX has been sending me mails ( more than XXXX times ) convincing me to apply for this credit card but didn't say anything about new customer only. 
If I know that I am not eligible for the bonus millage, I would never applied in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, an attempt is made to retrieve some money from an account that is not in use, which has no balance, because autopay changed the credit cards. On behalf of Synchrony Pep Boys credit card, this company ( Synchrony Bank ) makes two unsuccessful attempts to take the money from my account. When I realize this action, I decide to double the payment and do it on XX/XX/XXXX, covering all debt. The next day, I had an alert on my credit card page telling me to contact the company. What happened was that my account had been closed without prior notice or permission by the company. When I called the company, they transferred me to the proper department where they told me that they couldn't do anything about it.

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 2023-02-08
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didn't received any information about a debt. Also didn't receive a debt validation letter verifiying any debt. I didn't authorize ALDOUS & ASSOCIATES P.L.L.C institution to purchase and any existing debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: William D. Meeker Enterprises, Inc.
State: AL
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 do not recognize these credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
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 ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX, Experian XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: Perfection Collection
State: FL
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:
There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on XXXX and XXXX  and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: CA
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:
THIS IS NOT A DUPLICATE COMPLAINT IN THAT WE HAVE SUPPLIED ADDITIONAL INFORMATION AND THE COMPANY HAS FAILED TO ADDRESS THE FEDERAL LAWS THEY ARE BREAKING. 

THEY HAD 30 DAYS FOR THEIR INVESTIGATION AND THEIR REPLY THAT THEY ARE STILL INVESTIGATING AFTER THE 30 DAYS IS ILLEGAL!

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 2019-02-07
Company: Midwest Recovery Systems
State: TX
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:
Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX  XXXX XXXX Texas XXXX XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX  XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX  XXXX Gave Us. Our Credit Has Been Damaged. 

Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX. 

My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies. 

I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. 

I Had Some Health Issues : Both XXXX  Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX. 
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt. 

1 Midwest Recovery Systems XXXX XXXX {$1500.00} 2 XXXX XXXX {$190.00} 3 XXXX   XXXX  {$610.00} 4 XXXX XXXX {$1100.00} 5 {$72.00} 6 XXXX XXXX  {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of Amp Security XX/XX/XXXX. 

Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was {$500.00}, Not {$1800.00} Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX is a scam! 

This {$25.00} prepaid XXXX card was activated in XXXX and it expired in XXXX. all the funds were removed from the account when the card expired. 

Even though I registered the card, there was no notification that the card would expire and they took no steps to try and resolve the issue. 

I called and went to the website. Nobody was of any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Nelnet, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 3 attempts and they stating information is accurate which is not my name is not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please ensure that all information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX formerly XXXX XXXX. I am requesting to REMOVE my credit freeze from my file. I am looking to buy a house and they can't pull my file because of the freeze/block/Fraud alert on my file. Please remove it at once. My SS XXXX XXXX XXXX and my XXXX is XX/XX/1991. I have attached a utility bill, SS Card, and DL for proof of ID.

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 2020-12-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I believe that my Heloc is taking advantage of me through their charges on my monthly payments, I have been paying ballooned payments to the principle for over a year now on those over payments they are taking service fees out of the principle payments I believe this loan as is is charging me way to high interest charges I need help to see if I'm not getting taken advantage of, I am retired and on a Budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act XXXX, XXXX, Transunion XXXX major credit reporting agencies has violated my rights. 
15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and XXXX 's 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 2019-02-08
Company: Amsher Collection Services, Inc.
State: CT
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 checked my credit report with XXXX based on information received from XXXX card. It showed that I had a delinquent account with XXXX XXXX in collection by an agency called AMSHERCOLLECTIONSERVICES # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX in amount of {$2000.00}, placed in collection XX/XX/XXXX. 
I disputed with XXXX that I do not have XXXX XXXX, have never received a bill from the collection agency. XXXX responded that investigation was complete and I owe the amount. File number with XXXX is XXXX ; date reported in XX/XX/XXXX. 

I had XXXX XXXX for about 3 months about 10 to 12 years ago, and account terminated because of reception problems, with XXXX balance due. 
I do not have bills or receipts because I have no business with XXXX XXXX nor Amsher Collection Services. 
I have not received a bill from XXXX XXXX since and never a letter or call from above collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX pulled a copy of my credit report and saw a new collection/chargeoff from XXXX. I sent a letter to Transworld System Inc dated XX/XX/XXXX requesting a validation of the debt with no response. 

XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 2nd letter, certified to Transworld System Inc XXXX XXXX XXXX XXXX XXXX PA XXXX dated XX/XX/XXXX. It was marked delivered on XX/XX/XXXX. 

XXXX-I pulled a copy of my credit report and saw account still reporting despite the company never validating the debt or responding. I sent a 3rd letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. 

XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 4th letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. 

As of XX/XX/XXXX, this account is still reporting and I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : Capital One Auto Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I contacted one of the friends residing in America and explained to him that I need to develop our current factory and we need financing, and his name is Mister XXXX, and he is the one who mediated between us and the finance company Contracts and financing terms have been sent to us, and all official documents proving the legality of the company have been sent Accordingly, we transferred {$76000.00} as expenses to the insurance company But unfortunately, we have discovered that it is a fraud and that all the websites we deal with have been suspended after we transferred the amount

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 2021-12-14
Company: National Credit Adjusters, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I explained to the company that the loan was taken out by someone else. However, the loan was paid off so that my credit wasn't impacted but it negatively affected my credit. Requested for the company to remove the tradeline from my report and they agreed, however, it is still there on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: MO
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:
Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this 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