BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, USAA FEDERAL SAVINGS BANK, wrote to exercise its option to close Checking Account XXXX registered in the name of XXXX XXXX XXXX . USAA had changed my ownership registration of the account in XXXX XXXX for the vague reason that I did not qualify as the registered owner of a USAA account. They printed new checks showing the new registration. However their letter was addressed to me, not XXXX XXXX ( see attached ). 

Neither XXXX XXXX nor I owed USAA money. We were not insured by USAA Our Credit Cards had a zero balance and continued in good standing. On closing the account, USAA confiscated the funds in XXXX XXXX 's accounts which had a combined balance over {$900.00}, citing their Deposit Agreement as authority to close accounts and offset funds on deposit. There was nothing to offset. Where did the money go? 

Phone calls to USAA for an explanation for confiscation of XXXX XXXX 's funds were met with obfuscation and prevarication : in XXXX call I was told that XXXX XXXX 's account was closed because of an issue with their Property and Casualty Department. When XXXX XXXX called for clarification, she was told the bank accounts were closed by the Credit Card Division. To avoid misunderstandings, it became clear we had to avoid telephoning USAA and instead document our contacts and their response using XXXX, XXXX, and XXXX letters as a legal necessity. 

I sent a XXXX letter to USAAXXXX on XXXX XXXX and a Certified follow-up on XXXX XXXX pointing out that the accounts were registered to XXXX XXXX not me. XXXX/USAA did not reply. 

To get a USAA response, XXXX XXXX was obliged to file a complaint ( Case XXXX ) about USAA with the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. Via the CFPB, USAA replied : " XXXX checks, {$160.00} and {$800.00}, made payable you and to XXXX XXXX had been mailed on XXXX XXXX, XXXX. '' XXXX XXXX challenged USAA 's infallibility and asked for proof/substantiation that a check had in fact been issued and mailed ; had it been cashed? A copy of her response was also directly XXXX XXXX to USAA. USAA received the letter but did not did not reply. 

It appears that USAA kept the {$900.00} + without explanation, asking us to believe that " the check is in the mail. '' Equally troubling, USAA deleted the checking and savings accounts from their web site. 

USAA has had at least 8 months to research their response : Where is the money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: NC
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 XX/XX/2021 I wrote a letter to Equifax requesting the verification method for the Bankruptcy which is reporting on my credit report, in the letter I requested if the method of verification is not completed to remove the account from my credit report. The same date I also sent a letter to the bankruptcy court listed on my credit report requesting verification of such and I have received a response, The bankruptcy can not be verified as of todays date I have not received an adequate response from Equifax. Under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification, the credit bureau must provide the method within 15 day of my request. I am requesting the bankruptcy be deleted based on the credit bureau lack of compliance with the method of verification. The letter was also sent via certified mail and I have the original receipt showing the exact date and confirmation when I sent the letter to the court and to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 
Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.

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 2017-01-23
Company: North State Acceptance, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am financing a car with North State Acceptance. I started making payments XX/XX/XXXX. 
I have problems initially before I purchased the car, mechanically, several issues. I 've only had the car 3 months or so and had to put another motor in it and a catalytic converter, a steering column frame, and cutting off issues. I purchased the car from XXXX in XXXX NC. On Sunday, XX/XX/XXXX, I woke up and my car was not in my driveway. My car payment is not due until XX/XX/XXXX and I am not behind. I called North State and asked if they had my car, and they said no. The gentleman said that I was up to date on my payments, which I already knew that. So i dialed XXXX and had an officer come out because I thought my car had been stolen. The officer on the case called me on Monday morning, today ( XX/XX/XXXX ) and told me that in his search for the car, he found that it had been repossessed by North State Acceptance by error. Mind you, I just spoke to a representative and they assured me that it was not them that took my car. ( XXXX XXXX ) Now, here I am having to get a ride from other people or cabs because of the negligence of North State Acceptance and their misinformation. Now I have to wait for them to bring my car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: VA
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:
Four times I explained Equifax that I didn't apply XXXX credit card on XX/XX/2021 and XX/XX/2021. Last month I called XXXX and they denied the applications twice because someone else failed to provide my ssn or incorrect information. XXXX already emailed Equifax to correct and delete the reporting. Also, I discovered my wrong birth date Equifax made. I requested Equifax failed to do their job to correct my reporting more than a month. 

XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone XXXX XX/XX/2021 XX/XX/2021 I don't have mobile phone then I don't have text number. Most of times I am using email for verification code since I am XXXX customer. 

Any assistance you can provide is greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a Care Credit acct with a General Power of Attorney and got XXXX. Shorty after returning from combat she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with XXXX XXXX. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. XXXX had no issue taking the XXXX dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
the account in the amount of XXXX is the amount they said i must pay. But i have no knowledge of this XXXX XXXX account i never opened a account with them now they are threating to sue me for something i have no knowledge of they said the account was open in XXXX in was closed XXXX of XXXX. they are saying they have been trying to contact me but i never got any calls. i have not or ever had a account with them that is fraud. now they is threating me to sue. i did contact them in told them i never had a account they were still trying to make me pay i told them i will file a police report if possible about the account because i have no knowledge of the account or the amount i even told them thats not have u spell my name on the account my name is mis spelled. if it was my account how could i get something like that wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other

Complaint:
My husband and I had a very strange experience when applying for a Walmart card through Synchrony Bank. We both applied for an account on the same date. On my account, they completely misspelled my first name. On my husband 's account, they used his SSN, birthdate and credit information, but they put the account in my name in error. I emailed customer service three times on XXXX/XXXX/16. They instructed me to have my husband call in to their help desk, so he did that on XXXX/XXXX/16. The customer service rep, XXXX, spoke to both of us. She can see that the account is incorrectly entered under my name, even though it is most definitely my husband 's account, but she refused to correct it. Despite the fact that they have his credit report and the application he submitted on file to prove the owner of the account, they are refusing to remove my name from it. I feel that this constitutes fraud, because they know it is under the wrong person 's name, but they will not remove my name from the account. I am at a loss as to how they could have a glitch so big that they would mess up both accounts opened for my household.

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 2016-01-19
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling 20 times a day to collect a debt. I 've asked them to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I filled a fraud dispute on my Barclaycard Arrival Plus account for " XX/XX/2015 XXXX XXXX XXXX XXXX '' Barclaycard did nothing about it, so I was left to go after the merchant myself and the merchant refunded the charge two weeks ago. However the credit went to the original card of the purchase ending XXXX which was reported lost and stolen due to the fraud dispute. I am asking this company to fix this issue and to apply the credit to the new account no, also waive all of the fees, interest charge associated with this transaction, and I want them to close this account beacuse I do n't want to do business with them anymore after they made me go thru this.

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 2021-12-20
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a follow up complaint against Equifax, for they have failed to provide accurate information that is in accordance with federal law, FCRA, and congress. The complaint number that I am following up on is XXXX. In the response that Equifax has provided they had stated the following : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' This is not accordance with federal law or the FCRA because if any consumer reporting agency such as Equifax, prepares an investigative consumer report such as Equifax has admitted to doing so. Congress, federal law, and the FCRA states in 15 USC 1681L that " no adverse information in the consumer report may be included in a subsequent consumer report. '' Equifax has in fact furnished an investigative consumer report while also furnishing adverse information. Therefore any and all adverse information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I applied for a credit card with one of those hand written applications on a plane flight. 

I never heard anything from the carrier or the credit card servicer. I figured that for some reason the application was denied. After several months I found that my credit score had dropped. I obtained a report. Apparently the credit card company ( Barclays of DE ) had opened a credit card and account in my name without my knowledge. When I contacted Barclays on XXXX the agent verified that the address and email address on my account were both wrong. Apparently XXXX gives Barclays these hand written applications and the people transcribing them to digital application often transcribe incorrect information. He also mentioned that the company had tried to contact me by mail only and all letters were returned. In spite of this Barclays still opened a credit card account in my name, knowing they would be unable to contact me about this account. Three months earlier the company had charged an annual fee to the card. The account was now closed by the company but a past due balance was still remaining that had since had a negative impact on my credit score. My score dropped XXXX points in a month and now I am having difficulty applying for housing in the new city I moved to. What 's more I feel like opening these kinds of accounts knowing that they are unable to contact the account holder is a major financial security risk. If someone had gotten ahold of this card I would have no way of knowing obviously but additionally Barclays would have no way of contacting me about the fraud. 

When I contacted Barclays, all they could offer was a mailing address where I could send a paper letter. Apparently the account and situation would then be reviewed and it could take up to 30 days for the company to make a decision on whether they would contact the credit bureau. These are unfair, unsafe and predatory practices by a XXXX company on and American citizen.

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 2015-10-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a phone message with message of intent to sue for non-payment. Multiple family members and friends received the exact same message with my name, at the exact same time that day. I was unaware of this debt, having thought it was included in our bankruptcy. Upon some research I was able to determine this debt was over 9 years old. I am unable to pay as I am the only working and my husband is out on a medical injury, soon expecting surgery. I am unable to make such a substantial payment, and they have indicated I need to do so within 48 hours or they will take me to court and I could 'lose everything '. When contacted, the company would not allow me to speak to any of the named individuals ( each family member gave me a name of who called, all were the same first name but different last name ) only telling me that, that person was not available. I got the distinct feeling no such person existed.The number came up on everyones phone as blocked or restricted, however the number was quickly mentioned on the phone message.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Other

Complaint:
I had a credit card with Chase Bank that I unfortunately let fall behind and it was charged off in XXXX XXXX. I began making payments in XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX collecting on behalf of Chase Bank XXXX In very early XXXX, I contacted Chase Bank to discuss the way the charged off account was reporting to the XXXX. It was reporting as a Charge-Off every month even though I was making a payment as we agreed every month. Chase assured me that once the account was paid as I agreed with XXXX, the past payments would be updated and that they could not do anything about it until that point because they would not get my file until then ( they said XXXX would send my payments to them after it was paid ). I am attaching the checks I have copies of from my bank. I actually made a couple payments before this as well but my online banking would only go back so far. 
This account was paid as agreed in XXXX XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We tried to purchase a stove on our Lowe 's credit card. Lowe 's called to say the item was not in stock and they would not be charging our credit card. We tried to purchase a second stove and the same thing happened. When we tried a third time we were declined because the XXXX previous stoves had been put on our credit card. We tried contacting the company and the gentleman we spoke with could not understand that our credit was being utilized by a total of XXXX stoves we were unable to purchase and were told we would not be charged for. We tried for over an hour to cancel the stoves to free up our credit. After not getting anywhere we hung up. About five days after trying to clear our credit card we received a letter stating we had asked to close our Lowe 's credit card account. We had NOT asked to close the account. We called Lowe 's to find out why the account was closed They stated we closed it We asked for the recording of us agreeing to close our account. They said the person who has the recording was on vacation. We have called back and have not received a response from Lowe 's.

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