BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA froze all my accounts on XX/XX/22 without any notice to me. I called several times, but no one could ( or would ) tell me why or give me any information. The only thing they told me is that my account was under review, and the review could only take 3 business days. I was told that the review would terminate and I would have account access on Friday, XX/XX/XXXX. 

Friday came and went, and I still have no account access. I am unable to access my money or pay bills, many of which were due on the 1st of the month when they blocked my accounts. 

I called USAA again, and was told that yes, the accounts should have been released. The rep initiated a request to release my funds, but indicated that would take ANOTHER 3 business days! So now Im looking at more than a week without access to my own money. 

I am desperate need of answers and money, but unfortunately, I have neither.

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 2021-03-15
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Sent attached secure message to Fidelity Credit Card on XXXX XX/XX/2021, but NEVER received a response ... ...

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 2015-07-29
Company: ALLY FINANCIAL INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
RE : XXXX amended this complaint to note that Ally refused to refund monies to my account that were fraudulently charged by XXXX XXXX XXXX repair. XXXX badly scratched my glass lenses, refused to refund my monies of {$55.00}. I completed a XXXX page form for the bank and they did nothing. The glass lenses can not be photocopied and sent to the bank which they improperly requested. As it turns out, this merchant has a reputation for this conduct and is being sued by their former parent company for this fraudulent conduct. 
I have never been put to this trouble before by a bank. I want the monies refunded NOW. 
Neither has Ally reopened my account. It was overdrawn by just {$6.00} because I was waiting for refund to be made which the bank did receive. I was also waiting just a few days for my SS check to be deposited. when a single person names XXXX closed it on his own accord per my earlier complaints about their poor customer service. I WANT ACTION NOW!!!!! not later

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing in regard a debt that was claimed I owe. I received a notice that Diversified Adjustment Service, incXXXX debt collector is collecting a debt that was owed to XXXX XXXX XXXX XXXX XXXX claiming I owed {$250.00} as of XX/XX/XXXX. 
I contacted this company in XXXX about cancelling this service since I am no longer living at this residence. The new tenant move in XX/XX/XXXX. Please advise on how to refute/eliminate this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7700.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-09-04
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian and XXXX refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
nterestingly enough, Experian is incorrectly reporting XXXX of my student loans with having late payments in their history. Experian has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and 120 late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Experian claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Experian claims I was late, the Experian report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the Department of Education on XXXX XXXX, XXXX. Attached is the Experian page report showing I disputed this and Experian claims they verified it and did not change it. Also attached is the document from XXXX showing all my loans were due XXXX so there is no way this can be late. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I 'm writing because I fell victim to a scam and my bank, CHASE bank, did nothing to protect me. I 've been a loyal customer for decades, no criminal record, and great credit ratings. I 'm a mother of XXXX and have realized that I need to get back into the work force to help my family. I began a job search ( online ) and received a job offer from XXXX. This job offer was not legit and ended up scamming me where I lost all my funds. My complaint is that Chase bank and their employees did nothing to stop it from happening. They heard my story on why I pulled out money and am now requesting a money order. They reviewed the account my " boss '' provided me and said it was okay to proceed. They, in the big picture, helped me hand my money over to the criminals. And after the fact, once I realized I was scammed, they did nothing to help make me whole again. They further ridiculed me and blamed me for falling victim. They have left my account in a negative standing without advising that I need to freeze it to further any additional fees from accruing. They then restricted my spouses personal and business accounts and advised they can not tell him why, it 's their policy. THIS IS NOT RIGHT! Not only has Chase tried to make me, the victim, look like the criminal but NOW they 've taken away my families livelihood. They made the mistake by not stopping the purchase of the money order. They made the mistake by not assisting their long time, good standing, customer with stopping the check from getting into the criminals hands. They made the mistake by not doing anything to help their customer get out of a horrible situation ; they 've actually made it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Chase Bank calls my business line almost every week ( sometimes more, sometimes less -- twice in a day occasionally ) looking for a XXXX XXXX, or Accounts Payable, at XXXX XXXX XXXX XXXX. They simply have the wrong number. I tell them my own name and the company 's name and tell them it does not match who/where they are calling. They have repeatedly said they will remove my number from their list, yet they never fail to call again and ask for XXXX XXXX. I have even told them a quick XXXX search will give them the contact information for the company & person they are looking for ; that I could even give it to them myself. They said they can not do that, say they will remove me, and call back again. Sometimes, they even acknowledge that there is indeed a " do not call '' note in their system, but " thought [ they ] would try anyway. " I have also contacted them via XXXX ( since obviously phone conversations were doing nothing ). They apologized and said the number has now been removed completely. Apparently, that was a lie, as I received another call one week later. This is harassment and is disrupting our place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no idea what this is for. Debt has not been verified. no contract or signature provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Chime Financial Inc
State: CA
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:
I got an unauthorized charge to my checking/debit card account on XX/XX/2022 at XXXX. After making an authorized charge of XXXX for merchandise never received on XX/XX/2022 XXXX PDT. I've reported this claim several times to Chime Financial only to be denied several times and do not know who else to turn to for help. Their argument is that since the both companies had my information and I was in possession of my card I must have authorized the charge. The fact that no merchandise was received for the first charge of XXXX and the second charge was made a different time totally unauthorized. ( Perhaps the XXXX companies are the same or Company XXXX ( XXXX ) illegally shared my info with company XXXX ( XXXX XXXX XXXXXXXX ) ; makes both these charges fraudulent. Chime witch claims to offer fraud protection has failed to provide it. After talking to several supervisors and customer service associates no was able to connect me with their fraud dept., only send them an emails or have the authority to issue me a credit. Upon first reporting this issue I was told I would need a new account and card which did not receive for over 2 weeks. It's been close to a month now with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On the Trans Union credit report- XXXX XXXX XXXX has the " Rating Key '' listed as OK for as long as we were with them XX/XX/XXXX to XX/XX/XXXX. We closed this account XXXX/XXXX/XXXX. However, there is a statement " XXXX ; maximum delinquency of 120 days in XX/XX/XXXX ''. This statement is causing our insurance company to give is a less than favorable rate. 

The account was originally opened XX/XX/XXXX as XXXX XXXX XXXX. In XX/XX/XXXX they became XXXX XXXX XXXX. Since we closed our account XXXX XXXX XXXX is no longer in business. However as of XX/XX/XXXX active accounts are currently with XXXX XXXX XXXX at the same address as the obsolete XXXX XXXX XXXX, and using the same phone numbers. 

Because of all the sellouts/mergers, and the fact that ours is a closed account ; every time we file a dispute thru Trans Union, the request for XXXX XXXX XXXX verification is going to XXXX XXXX at the same address ; which has no record on our account. I have contacted XXXX XXXX as requested by Trans Union. XXXX XXXX has tried to help, but with no information they can not clear our Credit Report. only thing they can verify is that XXXX XXXX XXXX is no longer in business. 

Frustration and confusion- how can in 9 days of XX/XX/XXXX we acquire a 120 day delinquency as shown on our credit report for XXXX XXXX XXXX? How can I clear this discrepancy? Trans Union ( always a foreign speaking individual ) can only file a dispute - this puts us back into a loop!!!!

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 2022-11-03
Company: Upgrade, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied XXXX checking account on XX/XX/XXXX. It's been a month, and my account is still not ready yet. Every week, they sent me an email says I need to call for verification. So far, I've uploaded my driver 's license, the photo of me holding my driver 's license, the photo of me & driver 's license & a note says I'm applying upgrade account, XXXX form, XXXX, and tax returns from XXXX and XXXX. They are still NOT able to open the account for me. I don't understand why this is so difficult. I'm just applying a simple and normal checking account, not a loan or credit card. The customer services are not professional nor friendly either. It took me at least XXXX calls to figure out I need to uploaded those forms from IRS. In the past month, I've called at least 10 times, wrote a bunch of emails, but Upgrade is still reviewing my application. No one ever talks to me about anything regarding my application until I call in and ask for instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed information on my credit reports several times in XXXX XXXX i received a letter from transunion of the results of XXXX disputes.There were some accurate corrections but as usual some additional punitive things were done that impact my score.The cras all say on their websites that all negative marks remain for 7 years from being reported as well as bankruptcy reporting.They also say closed positive accounts will remain for 10 years. When i received my updated report on XXXX they had deleted XXXX closed positive accounts which lowered my score by XXXX points compared to XXXX and XXXX. The FCRA says i am entitled to an accurate report, how can a report be accurate if they are allowed to delete undisputed accounts.I received a letter from XXXX positive closed account informing me due to my dispute they would cease to report on the account.I never disputed this account and it was not filed in my bankruptcy.Again i am only asking for an accurate report.I am filing my complaint with you at this time because none of the cras have a category to dispute a deleted account.Somehow we have to dispute multiple times to get negative information reported correctly, but they can delete positive information at will.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The back policy is that if the withdraw is over the fund balance there will not be overdraft. This was the case for all the history of this checking but on XX/XX/2021, the bank allow XXXX withdraw illegally resulting in {$7000.00} or so overdraft. This is against the banking rule.

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 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is stating I have public records and delinquencies on my credit report, and this is absolutely false. I sent an ask for a copy of my credit report with the required copies of the information the requested, and I never received my free copy. Where Transunion is getting this information is I do n't Know! I tried obtaining it online, writing through the mail and there 's always an excuse from Transunion.

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 2022-10-27
Company: LEXISNEXIS
State: PA
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:
XXXX XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying diligently to get a loan modification for the past 3 months. I have a sale date on XX/XX/XXXX. Chase tells me my loan specialist is a person name XXXX XXXX, but I have never spoke to him since I began a modification. I have submitted all necessary paperwork and followed up on a weekly basis to make sure chase has all paper work necessary for a review and to see how the modification is progressing. Chase is stalling me and I believe its because they have a sale date and by stalling until the sale date then they will not have to modify me. also they are telling me they need my child support paper needs to be physically signed by the judge. In XXXX county florida, the judges provide a true copy and do not always sign. I have explained this multiple times to Chase and they will not accept my child support paperwork. What does signed paperwork from a judge have to do with my ability to pay my loan. I have also provided several bank statements showing the direct deposit of my child support which should suffice. I spoke to the " escalation dept '' today and spoke to a XXXX XXXX who is going to ask that I be reassigned to a different loan specialist because of his failure to communicate with me.

Company response to consumer: Closed with explanation