BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: DC
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:
First to start I am submitting this complaint on behalf of MYSELF. My name is XXXX XXXX. I recently submitted a dispute via the mobile app for XXXX XXXX, and Equifax disputing items that per the FCRA should be excluded from the consumer report as well these companies did not have my written consent to report any information. Additionally, I should not have any items on my consumer report as 1. I did not give any consent to harbor my personal identifying information without my consent or the judgement of a competent court of jurisdiction. Having my personal information is a violation of the Privacy Act as well as 15 USC 1681a ( 4 ). Also reporting to credit reporting agencies is voluntary per the CFPB. To further per 15 USC 1681b ( 2 ), I have mailed my written instructions to all consumer reporting agencies, certified mail return receipt, regarding my consumer report. I have been injured by the errors and the violations against me, a federally protected consumer as it relates to my consumer report as the errors have cause me to be denied for consumer credit transactions. Additionally, XXXX  is in violation of 15USC 1681a ( 2 ) ( b ) for including items that should be excluded from my consumer report. Again I am Sending this complaint on my own behalf. This is NOT a third party complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
American Express XXXX Cash ... .states my balance online as Current Balance $ XXXX Credit $ XXXX Balance $ XXXX made a payment on XXXX day of new biling period ... not reflected in outstanding balance-this balance includes as though not paid and adds fees ( late & interest ) not due until end of billing statement..I contacted them XXXX times online chat they disconnected me each time. I called them first and they gave me argument over how it should be stated. This is false advertising for other credit agencies -- until they reduce the amount by at least my payment and is not truth in lending making it appear as though I did not pay past due or previous month!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our law office represents a client who has a mortgage with HSBC. We called simply to get the accurate address to send a " Notice of Error ''. We spoke to the HSBC representative at XXXX after dialing XXXX. She refused to give an address to our office so we have used the address for " Error Resolution '' on their website, HSBC, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: APR or interest rate

Complaint:
Solicitation from American Express for premier rewards card with no clear and distinctive reference to it being a charge card. Furthermore it is to paid in full at end of the cycle and no clear and distinctive reference in the entire contents of the solicitation. 
Letter from American Express customer advocate services team states the pay over time with information with the APR are in a separate letter. 
Conclusion of such practice is Consumer misleading with no clear disclosures and enticing offers that could be a potential debt trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm XXXX XXXX, and my account ends in XXXX, and my social security ends in XXXX. A few weeks ago, I received XXXX of my last unemployment checks and apparently there was something wrong with it. Don't ask me how, but when I called Chime, I was told the that XXXX had written XXXX checks to XXXX separate individuals but using the SAME check number. I was told your AI figured this out and it never got to a human. I had had to go through my XXXX to get my unemployment started in the first place because they were failing miserably at their job. The XXXX insisted that I attempt again, because they were just sure they could not make a mistake. I attempted to redeposit and it was rejected again. In total, they insisted, through my XXXX XXXX assistant that I do this XXXX times, and apparently you have now denied me the ability to do mobile deposits. 

I had to complete some form to get a new check and send it through the XXXX XXXX office via email. After a week or XXXX, I was advised I needed to MAIL the form and the check in. 

I now have a new check, and I HAVE DIRECT DEPOSIT ( see my social security check in the amount of {$1600.00} deposited by XXXX XXXX XX/XX/XXXX. I would like this service back. I am almost XXXX and am XXXX and can not stand in a XXXX line for great lengths of time. I like Chime but if I have no way to cash my checks that come in, it is pointless to use Chime as my bank. You can clearly see from the back of the check that the XXXX insisted I continue to redeposit this check. 

Please reinstate my mobile deposit. Currently, I have XXXX broken ribs and a fractured hip and have nobody to drive me, nor any money because you won't allow me to deposit it. I'd appreciate your assistance. You can also write to : XXXX at XXXX XXXX 's office for verification that I am telling the truth. Your cooperation would be appreciated. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: URS Holding, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collector may be violating the Fair Debt Collection Practices Act, or FDCPA. On XXXX/XXXX/2015 I received a call from my friend that United Recovery Systems XXXX called them on their cell phone [ WHCIH I HAVE NO IDEA HOW THEY GOT UNLESS THEY HACKED MY COMPUTER ] ( about XXXX XXXX est ). They disclosed information to that party that is in NO WAY associated or tied to the obligation. The number they called was from XXXX. If they did hack any personal data, they are criminally liable for theft. 

This collector has called my cell phone often ; my wife 's cell phone and my home line at least 2x per day. This has stepped way over the boundaries of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debts incurred during a hospital stay have been granted financial assistance from the hospital however Credit Bureau of Bessemer, a local collection company in Alabama, refuses to close the account. I have called, email, and even disputed through the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 when I logged into my SunTrust now Truist business account I received a message saying that I was not authorized. I immediately contacted the bank and was told that my account has been closed with a no debit order per SunTrust rules and regulations as of XX/XX/2021. However, I personally made a deposit on XX/XX/2021 for {$910.00} which was accepted. I spoke with 3 managers and went to 2 branches without resoultion. I was finally told that there is suspected fraud under investigation and someone will contact me when the investigation was over. I was able to obtain a print out which showed someone tried to hold {>= $1,000,000} on XX/XX/2021 and on XX/XX/2021 a Legal Order Debit for {$9300.00} was garnished from my account by XXXX XXXX XXXX  who was my PPP lender. However, the loan was transferred to XXXX which has that I owe the full amount of my loan and there isn't anything due. XXXX XXXX has no knowledge of any legal debit order, XXXX has no knowledge of said order as well and I was advised to contact SunTrust/Truist fraud department and XXXX XXXX XXXX which I am unable to obtain any help. I have the print outs from all entities. I am a XXXX XXXX and this is my XXXX XXXX which they have stolen my funds and are withholding from me in the midst of a pandemic. This is XX/XX/2021 and SunTrust now Truist still hasn't contacted me not even to tell me about this fraud. I am seeking immediate return of my funds as this clearly has nothing to do with me or my 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 explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted TranUnion XXXX  and XXXX  regarding my information being used without my authority. I have requested multiple times that the inaccurate information accounts and inquiries be removed.

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 2021-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've banked with USAA for over 10 years. After an attempt to bank with XXXX  XXXX XXXX, I changed my mind because of poor customer service. I should have a total of over 35k in my account ; I should be able to access that account since over $ 25k of that amount was already in my USAA account. As of yesterday XX/XX/20, I had no warning call, no email, no text and my card was declined. I am since that time also unable to access my accounts online. When I call in, the prompt tells me to call back : tomorrow, during business hours XXXX which I'm calling within ). I finally get a live Rep and they tell me that the prompt on their screen insists they read to me the following : " I'll be transferring you to a specialist ... '' and when the live Rep transfers me, the line disconnects or tells me to call back tomorrow. I have started recording these calls as I'm at a loss for what is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Rewards

Complaint:
I have had a XXXX Credit card for years, i have purchased and paid a lot of things with it and wanted to redeem my points. The credit card made it so hard to redeem my points that it 's ridiculous, I had been trying to do this for more than a month already and now I wanted to cancel the card since it just not worth it anymore and they charge yearly fee but I want my points redeemed and they have put a mark on my credit report. To make the matters worth, I had points that were worth ~ {$600.00} + and now I ca n't redeem for cash but for the some gift cards which are worth around ~ {$130.00} and are through the recommended companies which will rip you off, but even they are not even helping, because they do n't provide even a customer service phone numbers and only communicate through email.

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 2021-07-27
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: Public record information inaccurate

Complaint:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2021. Although they signed for my letter, I received no response stating how this information was verified. I then mailed a second verification letter, ( signed and received on XX/XX/21 ), asking them to prove to me how this was verified. I have yet to receive a response. I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. Again, I received no response from I have given well over the original 30 days to respond regarding my dispute " verification '' with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information 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 2021-07-27
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: Investigation took more than 30 days

Complaint:
I have filed a dispute with XXXX, XXXX  and Transunion in regards to incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results. I have several items on my account the need to be removed due to inaccurate information. 
1. XXXX  - Late payment - never late 2. XXXX XXXX- Not my account 3. XXXX XXXX - Not my account 4. XXXX  XXXX  account- Not my account 5. XXXX XXXX XXXX XXXX Never late 6. XXXX account - Not my 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
Consumer complaint received 2016-11-16
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclaycard talked to me on XXXX XXXX, 2016 informing me that there had been a payment that did not go through to them on my autopay ( though funds were always available and nothing changed on the side of my bank ) on my barclaycard XXXX XXXX. When I spoke to them on XXXX XXXX, I made a payment immediately by telephone which cleared my bank on XXXX XXXX as suggested by the barclaycard associate on the telephone. Barclaycard had never sent me anything in the mail to inform me that there had been any difficulty with the auto-pay or that any monies were owed because of it. The associate told me that my payment of {$91.00} would put the account back into good standing - protecting my credit and giving me the opportunity to continue with my barclaycard XXXX XXXX. In good faith and taking the company at their word, I made the payment. Today, XX/XX/XXXX2016 I received a letter from Barclaycard dated XXXX XXXX referencing a credit report that they pulled on me ( without prior authorization ) that was dated XXXX XXXX, 2016. The letter stated that based on the information that they had on XXXX XXXX that my account was to be closed. Regardless of already possessing this information, barclaycard coerced me into making a payment after the date of the report under the pretenses that my account would be in good standing. Needless to say, that was a lie to simply collect the payment. 

I am concerned that in an attempt to collect on a debt that barclaycard and its employees knowing lied to me about the effects of making a payment while already possessing foreknowledge that the account was slated for closure. I believe that a collection violation and fraud has taken place in the knowing misportrayal of the situation to me by barclaycard.

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 2016-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a teller check from a credit union and deposited into my checking account inside the main branch of USAA in XXXX XXXX, Texas. The teller took the check and completed the deposit and said nothing about a hold on the deposit. On the deposit slip it shows my account balance and the amount of the deposit. It does not mention a hold on the funds. I then left the bank and checked my funds on USAA app and it showed the amount deposited was available. The amount was XXXX and my balance on the app reflected that amount. Two business days later I went back to the main branch of USAA and just before entering the bank I double checked my balance on the app and noticed that there was now a XXXX hold on my account. I went inside and went straight to the teller hoping there was a mistake on my account but when I tried to purchase a cashier 's check the teller confirmed that my checking account indeed was on hold for XXXX. I asked if I can discuss this matter with management and she directed me to an enclosed booth where there was a computer and a telephone and was told to dial zero and ask for a manager in the deposit department. I did so and held for about 2 minutes and a representative answer the phone and asked what he could help me with. I explained the situation and asked if there was anything that could be done to release my funds. The answer was no and that it was unclear on when the funds would be made available. I asked to speak with a manager so he transferred the call and I was placed on hold for about 5 minutes. Long story short the same answer was given by a manager " no '' and adding insult to injury she stated that my creditability with them was in question because of a previous over draft in the last 6 months. I left very upset and frustrated with the entire situation. I also called one more time the following business day and the exact same answer. No ... Please consider this fact. This was a preprinted teller check from a credit union and that when purchased originally by the payee was told that it 's the same as a cashier 's check. Now I have to wait 10 business days. Why? Why could n't USAA physically pick up the phone and verify funds or tell me from the beginning there was going to be a 10 day hold. I would have cashed the check elsewhere and been able accomplish what I needed to. Now I 'm on hold and it put me behind on what I needed to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have filed a dispute with Experian and XXXX  in regards to incorrect items on my credit report for a Chapter XXXX and Chapter XXXX Bankruptcy. I submitted letter from bankruptcy court to credit bureaus indicating they do NOT verify information to credit bureaus. Its against the law and its a violation of invasion of Privacy Act. It has been well over the 45 days and I haven't received any investigation results. I have several items on my account that needs to be removed. 

Chapter XXXX - Bankruptcy Chapter XXXX - Bankruptcy

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 2022-04-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This item was deleted XX/XX/2021 on report number XXXX XXXX. By another third party debt collector. Now a new debt collector is attempting to part thus on my credit report again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Avant Holding Company, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received emails from Avant about an account that I had opened. I never opened an account with them. I also had my credit locked through XXXX as well as notes attached with all three credit bureaus to verify all information due to previous fraud attempts after my information was leaked during a data breach. They pulled my credit without my consent and I am currently in the process of building/closing on a home. I have received no call backs from them and everytime I call I am told that there is a note on my file. They pulled my credit. A hard pull that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.

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 2017-03-23
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants is attempting to collect a what looks like duplicate debt I do not owe similar to the XXXX complaint I filed.XXXX

Company response to consumer: Closed with explanation