BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'm an XXXX XXXX XXXX XXXX that arrived to XXXX with my wife and XXXX kids under XXXX orders on XX/XX/XXXX. On XX/XX/XXXX, I noticed that my USAA daily checking account wasn't available on my phone application, but thought it was a system error since I had just updated the USAA Mobile App on my phone. The next day I had my wife, an authorized owner of the account, verify with the USAA web page that the account still didn't appear. I then suspected that the account had been closed when my phone got disconnected due to a failed automatic withdrawal. I immediately called USAA to inquire the reason for the closure of my account that I use to pay all my and all USAA products that I own. 

Their excuse was that my XXXX sister, one of the four authorized account owners since XXXX ( me been the primary ), had not provided proof of identification and therefore the account was closed. Again, she is a XXXX years-old  XXXX person that can't speak XXXX XXXX on her own. I have been using this account for nearly 9 years and its were my XXXX check gets deposited every XXXX day of the month, yet USAA decided to close this account without notice and with zero consideration to what damage closing this account for one of their loyal members. I had to make a {$14000.00} loan to match this XXXX 's paycheck since XXXX won't resubmit this month 's check until my next payday, which is on XX/XX/XXXX. At the time I called USAA, I asked them to simply remove my sister and reinstate the closed account ( which would have been the preferred initial course of action ), but they said that was impossible and that they could not help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.

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 2019-05-01
Company: Experian Information Solutions 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 have sent the credit bureaus the proper paperwork they need to remove this account from my credit XXXX XXXX XXXX : XXXX its been going on for 3 months now

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 2021-07-16
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly contacted this company since learning of this debt in in XXXX of XXXX. I expressed to the company that this not my debt I have never owned this vehicle and while further investigation of this debt I was told this vehicle has never been registered as well as the address listed on this account is a business address not a residential address. I was asked by this company to submit a report from Identity theft. Gov and I did immediately through the email Credit acceptance provided to me. This company has sent me a payment book in response my dispute dating back to XXXX. This account is being reported on all three of the credit bureaus as an open account with 28 late no payments. With not even one payment having ever been made. Thats preposterous why would this fraudulent account still be an open vehicle account with no payment ever made and not be repossession account. I have never in my life heard of a company continuing to report an account with not one payment made or repossession as an active and open account with 28 late payments each reporting monthly on all three bureaus. This is a fraudulent account this is not fair credit reporting and attached will be all of my documentation to them. I want this account in its entirety removed from all three bureaus on my behalf. I have and continue to have financial losses daily as a result of this account. XXXX XXXX Mortgages all have been denied as a result of the fraudulent account thats being reported by Credit Acceptance as my account. The signatures on the the account that Credit Acceptance has uploaded are all electronic signatures, they are not my signatures they are done by a computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Calls are coming from Citi card services. I have been in touch with them at least 4 times within the last month advising them of my financial difficulties ( I am out of job ), that I am making payments whenever I get any money and that I understand my obligation to paying my overdue balance. I made a payment this weekend. At XXXX XXXX Monday morning and today again at XXXX, I received robocalls advising me to call them regarding my financial situation. I then received calls from the same number at XXXX XXXX Monday and today at XXXX, I was in job interviews at these times and could not answer the call. No message was left to call. As I was filing this complaint ( XXXX ) I got a call from the same number. I said Hello 3 times before somebody finally spoke and identified themselves as being from Citi card services and that I had not made any payments recently. I explained to the woman that I had made a payment over the weekend and advised her of everything I have written above and advised her that while I was aware of my debt. Calling me at midnight every day in addition to the other calls was harassment especially since I had been in touch with their company repeatedly to address the matter. I advised her that I was filing a complaint with the CFPB. She said that she would put me on their do not call list. I stated that I was still filing the complaint She laughed and said that she had n't called me all those times. I asked for her name and employee ID. I had to ask her at least 4 times to repeat her name and ID as she kept saying it as fast as she possibly could. She gave her name as XXXX and her id was XXXX. She said " Bye '' and hung up on me.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Consumers are entitled to a free credit report from the 3 Credit Reporting Agencies each year. Once a consumers identity has been verified, they should have no problems easily securing their report. However, with intent, TransUnion and XXXX make it exceptionally difficult to access your report. TransUnion gave me varying reasons at different attempts why they were unable to give me my report. I tried several times to get my reports from TransUnion and XXXX through annualcreditreport.com. The only report I was able to get was my XXXX. It is important to note that TransUnion and XXXX are closely aligned on their individual sites, and with XXXX XXXX. TransUnion initially said they were having technical difficulties. When I tried later, they gave me another error message. And I never got my report from XXXX even though they said they had already given it to me. Now, the only way I can get a report from TransUnion and XXXX is to take out a membership for a fee, and then pay an additional amount to get a report. I am arguing that TransUnion and XXXX intentionally make it difficult to get a free credit report to force consumers to buy a membership with them and then pay for a credit report that should be free. At annualcreditreport.com, accessibility and verification to all three credit reporting agencies should be consistent. Each CRA has a different ID verification process. The verification procedure should have identification rigors yet simple enough for consumers who have limitations can get their reports as long as their ID can be verified. CRAs should give consumers a choice of getting a report in PDF format that can be stored on the computer device of their choice. They should be able to direct the file/folder where they want the file downloaded.

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 2019-09-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized LVNV FUNDING LLC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EdFinancial Services
State: TN
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:
The following Student loan accounts are reporting late and therefore showing negative on my XXXX REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.ED Financial XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. ED FINANCIAL XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Global Lending Services LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Tried to link my bank account to a service that creates virtual cards for online purchases, to protect the security of the actual card. My bank, PNC, will not allow my account to be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
PLEASE NOTE : U.S. BANK HAS MY ENTIRE TIME LINE, POLICE REPORT, FILES, DOCUMENTS, EVERYTHING IM STATING BELOW.
XXXX XXXX, 2017 I received dismissal papers from A Judgement issued against me from U.S. Bank on XXXX XXXX, 2013. I believe the OCC case # XXXX was responsible for this, and my last phone call with the OCC was on XXXX XXXX, 2017, and they stated my case # is still open and I sent them all the documents and updates since my Dismissal on XXXX XXXX, 2017, INCLUDING THE RESPONSE LETTER FROM U.S. BANK.
I submitted all the required documents to U.S. Bank to get reimbursed for my expenses on XXXX XXXX, 2017, which was received by U.S. Bank on XXXX XXXX, 2017. U.S. Bank in return sent a response letter dated XXXX XXXX, 2017 but I did not receive it until XXXX XXXX, 2017. 1 DAY LATE AND AS I STATED, THE CLAIM WILL BE CLOSED IN MY FAVOR, AND I WILL BE EXPECTING A CHECK IF I DO NOT RECEIVE A RESPONSE BY XXXX XXXX, 2017 U.S. Bank is now claiming my claim is closed with them and their reasoning is in the letter. I have tried to contact the Fraud Division Directly, but U.S. BANK WILL not letme speak to the Investigator. U.S. Bank simply says, my claim is close, I need to go to law enforcement now and take it up with the cops.

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 2022-01-17
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Kansas XXXX Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, I find out about this medical bill after the collection agency reported it to the credit bureau. After discovering this, I immediately call XXXX XXXX XXXX to figure out why they never saw this bill before it went to a debt collector. XXXX XXXX XXXX was sending the medical bill to my old wrong address. I never really had a chance to pay what I owe in the first place and never realized this. 
Once I realize that the statement went to the wrong address, I contact the collections agency by phone and email and ask them to remove any derogatory information from my credit report. 
This is technically a HIPAA violation, sending medical bills to the wrong address. On XX/XX/XXXX, I emailed XXXX XXXX at Transworld Systems Inc. and Transworld Systems Inc XXXX XXXX a professional debt collector regarding credit dispute asking for verification and validation of debt and informing TSI of wrongful address. 
On XX/XX/XXXX, I received the verification and validation of debt from TSI. Since TSI never sent any of this information to the right address in the first place I never received any bills due date. I am writing to request the remove of derogatory reporting to the credit bureaus because TSI send the debt collection to the wrong address and not allowing me to dispute the debt according to the Fair Credit Reporting Act ( FCRA ) in XXXX to protect consumers and regulate how credit information is used and disseminated before reporting credit bureaus and unverifiable information. 
I am requesting that the item be removed immediately. 

Enclosed is a copy of documentation that support my position. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent 2 letters requesting to Santander USA to send requet letters to XXXX the credit Bureau and Santander never respond to me then I sent a Dispute letrer direct to XXXX and they did respond with a non compliant answer and XXXX did not remove that alleged inaccurate misleading unverifiable account because is a Santader usa Multi State sub Prime auto Lending and as your office Know Class Action law Suit was perform by 33 attonerys States and. I am been affecting because only XXXX still reporting such Alleged it Account in my credit Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

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 2018-01-08
Company: EQUIFAX, INC.
State: NC
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:
I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a new Bank of America Customer. I am starting to regret this decision. On XX/XX/XXXX. I made a payment of 200 over the phone with a representative. That same day, another payment of 1000 was taken out of my checking account by Bank of America. When I realized they did this, I called them immediately to request a refund. The agent then informed me my refund request was processed and I should received my funds within 3 to 5 business days. On XX/XX/XXXX I called Bank of America again to confirm that my funds indeed were processed. they claimed it was processed but instead of receiving it in 3 days, it will take a week. On XX/XX/XXXX, I called Bank of America to ask why I haven't received my funds. I escalated the issue to a supervisor who informed me that my funds were processed however it will take 2 billing cycles for me to receive my money. At that point, I was very furious. Everyone I talked to, told me something different. On XX/XX/XXXX I called Bank of America again to express my frustration A supervisor informed me I will be receiving the refund soon. They held my 1000 dollars and refused to refund it to me. On XX/XX/XXXX, I called Bank of America once again to inquire about my refund, just for a representative to tell me they refunded me XXXX dollar instead of the 1000. The fact that they even took my money without my authorization and lied telling me they refund it and they didn't. They claimed they refunded XXXX dollar in my account. I checked my account and there is no refund from them. This is the worse bank ever and I'm still new. All their customers service rep lie and some of them have no idea what they're telling their customer.

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 2018-01-08
Company: EQUIFAX, INC.
State: NC
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 have multiple inquiries on my credit file that i did not approve or have knowledge about and they are fraudulent.

Company response to consumer: Closed with explanation