BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
I was late making one of my payments ( 30 days late ) the 60 day XXXX double payment ) of {$370.00} was made on time on XX/XX/2019. On XX/XX/XXXX, I was mailed a letter telling me that my secured credit card was of {$5000.00} was being closed and the CD for {$5000.00} was being liquidated to pay the debt. I did not want the credit card closed because I had kept it open for over two years to rebuild my credit. I reached out multiple times and tried to reason with USAA, but they could not tell me why, who made the decision, or how I could talk to the person who made the decision about the error. USAA simply hid behind " the system '' and gave no explanation. 

Not only did they NOT CLOSE the account, they did not liquidate the CD, as indicated in the attached letter, but did report to the credit bureaus that the account was closed. They removed my access to using the credit line, continue to bill me interest and late fees, and continue to report negatively to the bureaus. Now they have threatened to write the account off as a defaulted account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31
Company: FIRST ADVANTAGE CORPORATION
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for seasonal work for XXXX XXXX and submitted to a background check provided by First Advantage. The background check came back in a very timely manner, but to my distress identifies me as a felon. I have not been found guilty of a felony.
In XXXX of 2013, I pled guilty to XXXX XXXX XXXX XXXX. The first, for XXXX XXXX ; the second for XXXX XXXX.
These charges are correctly named on the background check. However, the first, for XXXX XXXX, says the charge type was felony, and this is wrong.
I 'm not a lawyer, but I do n't think there is a felony charge type for the charge of XXXX XXXX. In any event, I did go to the State of Alaska online court record to make sure the XXXX XXXX charge was listed there correctly as a XXXX XXXX XXXX, and verified indeed it is. ( See : http : //www.courtrecords.alaska.gov/ searching under personal information I supplied to XXXX XXXX in my job application. ) I hope this supplies the information necessary for XXXX XXXX to clarify and correctly evaluate my background. Additionally, however, I hope First Advantage and this agency, ConsumerFinance.gov will work on my behalf to prevent this error from being repeated. I greatly appreciate XXXX XXXX and First Advantage making me privy to this misinformation coming up on their search and I can only wonder if there have been other times it has come up and I 've not known.
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I just realized that XXXX XXXX XXXX XXXX is showing up on my credit report as an outstanding debt in the amount of {$1500.00}. I have no way of getting in contact with this company but this account was settled in full approximately 6 years ago. I would like to have this removed from my credit report as soon as possible and have my scores updated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Seattle Service Bureau, Inc
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX National svcs berue Collection agent called me and I tried to explain something but he was being very demanding tone, I asked to speak with the person helping me before he stated that I couldnt he told me I have to pay the full amount I was trying to settle for an offer if they can accept one he said you need to pay full amount call later

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
On around XX/XX/XXXX an alert showed from Experian about a collection debt from XXXX XXXX for {$7000.00}. 
XXXX XXXX is a collection agency for apartments. The original Creditor is XXXX XXXX XXXX XXXXXXXX in XXXX TX an apartment complex that I have never applied for. 
This debt was opened fraudently in my name around XX/XX/XXXX. 
I've never lived in XXXX. Calls to the apartment complex have gone unanswered. 
Meanwhile I'm disputing this inaccurate information and Experian says the item was accurate and validated. This is not my debt. I have been subject to identify theft for the past 3 years from the data breaches to where I've put a credit freeze on my account. The Experian dispute was closed on XX/XX/XXXX and I've called and opened another dispute for this item. I have also contacted the XXXX on 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 2022-06-17
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX my SSDI check was deposited into my Chime checking account. All of a sudden my phone started getting really hot and I couldn't even place a call. I got a text message that {$1200.00} was deposit onto my account. Then I got a text message saying {$1200.00} was transfered to an email address. I was like WHAT!! and immediately tried calling Chime I couldn't call my phone was locked then I got another message that {$300.00} was transfered to another email address, then another for {$250.00}. That was everything I had in my account {$1600.00}!! After all this happened and I calmed down I could call Chime. The lady that answered said it had to file a dispute and I said NO stop these payments the charges are pending. She said no I had to file a dispute and she transferred me. While I was on the phone with the dispute department the charges went through. I was livid!! So I filed their dispute and was told within 10 days I would hear from them. Two days later they denied my claim. I called them back and they said they would reopen it and they had 45 days for their decision. Meanwhile I called Social Security and told them and they stopped putting my money in my account and sent me paper checks. While I was waiting on their decision and going back and forth with them they closed all of my accounts. I tried calling them again and I can not talk to anyone anymore because when I call they say your accounts have been closed and hang up. I got emails from them denying my lclaims and closing my accounts. This is so messed up. I can not even get into my accounts anymore it's like they disappeared like thar one {$300.00}, I disputed. I just.vanished. I can't even talk to anyone and I have been scammed. After doing some research on this Chime they have done this to hundreds of people. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX BANK Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX BANK Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX  checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.

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 2017-02-03
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called Diversified. Diversified contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have contact XXXX XXXX to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are in the process of refinancing our home with Freedom Mortgage who is also our current mortgage servicer. The underwriter is treating our loan as if we do not currently have a loan with the company and as though we are behind on our loan or have ever been. Our appraisal came back at XXXX % LTV which would not allow for us to have the PMI removed. I requested to have an updated loan estimate to include the PMI from the processor as well as the loan officer and I did not receive this information. I would like this information to be able to make an educated decision on my refinance options to know if it would be worth it. This has been the worst refinance experience ever. If I had a choice of a new servicer then I would certainly take 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 2015-09-15
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I having been going back and forth with HESAA - NJCLASS students loan since XX/XX/XXXX. I graduated in XX/XX/XXXX and as soon as they received notice of my graduation they began sending me bills I believe in XX/XX/XXXX. I did not get a recent grad deferment or any assistance from them. So, I called to see what my options were and I let them I was not working at the time. Well they basically told me there was nothing I could do so my loan when into default because I could not make any payments. I have a daughter I am raising alone and I just recently started working so, I can not afford any wage garnishments. So, I called them today XX/XX/XXXX, and told them I wanted to make a payment Friday but i wanted to know what would get my loan out of default. I was told to either pay {$700.00} front or just get my wages garnished because they can not do anything for me. They were not trying to help me at all and they were so rude and unprofessional. Any student looking for a loan please do not chose this one because they are rude and unhelpful even to those who are willing to pay for their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: RS Clark and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
R.S Clark an d associates has filed an account on my credit report dated   XXXX  ,2017 which is not a debt that I owe in the amount of  XXXX . Never had any dealings with this company ever. Also having knowledge that this company is not authorized to collect any debt in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to 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 non-monetary relief
Consumer complaint received 2020-01-14
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A woman named XXXX called and said she represented her client XXXX and XXXX they would sue me if I didn't pay. I said they should have never sold my debt to her office that this debt is old. She said who sold debt and threatened to report it again to the credit bureaus. I hung up because she was raising her voice to me and I told her she called and woke me up it was around 8 this morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a victim of identity theft ; my SSN, drivers license, and checks were stolen and used to write checks and open/apply for credit cards. 
In 2012, I moved back to XXXX from the XXXX, IL area. I had assistance from a local moving company. Upon arriving in XXXX, I noticed that there were some personal items missing including my social security card, drivers license, state ID, a box of checks, and XXXX credit cards ( I always safeguard these items in one of my dresser drawers, and they were missing ). About a month later, I realized that my account was negative and there was a {$500000.00} hold. When I spoke to a rep at Fifth Third Bank, they informed me that there were a few checks written out that were cashed for roughly $ XXXX-XXXX. I advised them that this is fraud, to not honor the checks, and to close the account ; I did not want to have checking accounts at a bank that the fraudsters knew I was associated with. I contacted the credit bureaus and placed fraud alerts on my credit report, and also contacted XXXX XXXX and XXXX XXXX ( XXXX cards were used fraudulently around that time as well ). 
I recently ordered a XXXX report and noticed that Fifth Third is still listed along with the reason for account closure : suspected electronic fraud. I contacted XXXX to have the item removed, but was sent a letter roughly 2 months later stating that Fifth Third said everything is valid ; Fifth Third has no right to tell me that everything is valid, when I have told them multiple times that it is not. I was a victim of identity theft and the person that cashed my check needs to be held accountable, not the victim ( myself ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a refinance, they checked my credit and took all my info. I asked if they could do a lower rate but they could not, so I said it 's ok, send me my loan estimate anyway, and they would just not send the estimate. This is the 3rd business day since I applied, so I tried calling and emailing again, finally they sent me a preview of one page of the loan estimate, and this does not include the rate quoted.. I asked for the other page but again, no answer.

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 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
The credit bureaus, Transunion, XXXX , & XXXX  is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.

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 2020-01-14
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a vinyl storage shed from XXXX store in XXXX XXXX Indiana the cost was XXXX including a XXXX delivery fee. The shed was never delivered. When I called XXXX they said it was picked up from the store. The person who picked it up was not me.now I have this charge on my lowes credit account and the lowes store and the synchrony bank will not remove it. I have been fighting this since XX/XX/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 monetary relief