BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited two large checks that I had received from XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) from my XXXX ( XXXX XXXX XXXX  ) into my checking account at USAA. USAA no longer has an actual bank that one can go to ; everything has to be done either by mobile app or through an ATM. I deposited these two checks, which totaled just over {$99000.00}. USAA immediately closed my checking and savings account and my son 's checking and savings account and denied access to all of our accounts. At the time that I deposited the two checks, I had {$22000.00} in my checking account. USAA said that the checks were fraudulent b/c XXXX had misspelled the first letter of my first name and for " other reasons. '' I replied that they had cashed three other checks by XXXX with the same misspelling with no problem, but their response was that the checks were " fraudulent '' this time b/c of the amount. A week ago, they lifted the freeze on my savings account and my son 's checking and savings accounts, but not on my checking account. They also informed me that they were " no longer terminating services with me '' and that they would lift the hold on my account " soon. '' However, I did not hear from them all of last week, and they also reinstituted the hold on my savings account and my son 's checking and savings accounts. I have changed the direct deposit for the various sources I receive income from, but those will take a few weeks to a few months. In the meantime, over {$6000.00} has been deposited into my account, including my paycheck from work, but USAA still denies me access to those funds. My current balance w/o the two checks that I deposited is {$26000.00}. I have been w/o any of my money for almost three weeks now with no end in sight. I am a widow, as my husband was a XXXX veteran who XXXX XXXX XXXX I still have XXXX children at home that I am caring for. I work XXXX and am unable to devote my entire day trying to get this resolved and gain access to my money. I have already opened up a new checking account at another bank, but it is not doing me any good right now when the direct deposits will not change right away, and I still do not have access to my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXX XXXX Balance : {$22000.00}

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 2022-08-02
Company: Experian Information Solutions Inc.
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:
From a collection agency called XXXX XXXX XXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and Experian again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.

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 2022-06-09
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX 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 I contacted this company asking for validation/verification of said debt in amount of {$440.00} dollars. proof of debt was not provided. a printout of a bill or itemized document does not constitute as verification Again the acct in question is XXXX the address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Kentucky XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: LEXISNEXIS
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:
I have sent and placed several telephone calls to XXXX and XXXX regarding the Bankruptcy that listed on my credit report that I am requesting to have deleted immediately and a financial compensation of {$3000.00} granted to me due to the financial harm it has caused me. Over the past several years the alarming rise in identity theft due to security breaches arising in part from the growing amount of personal data on individuals that is now available electronically through public sources, has prompted the federal courts to amend the Bankruptcy Rules 1005 and 2002, which took effect XX/XX/XXXX. I have recently been contacted by XXXX that my information was exposed in their data breach in addition to my personal information being compromised in the XXXX, XXXX, and XXXX data breaches. 

These rule changes require the United States Trustees and the XXXX XXXXXXXX trustees to change certain procedures relating to debtor identification. Rule 1005 was amended to implement the Judicial Conferences privacy policy limiting disclosure of a debtors full Social Security number ( SSN ) on bankruptcy petitions to only the last four digits. Because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me by reviewing the last 4 digits of a social security number. 

Also, Rule 2002 ( a ) ( 1 ) was amended to require the Bankruptcy Clerk to include the debtors full SSN on the Section 341 meeting notice that is sent to creditors, the U.S. Trustee, and the case trustee, but not on the Section 341 meeting notice that becomes part of the court record. Again, because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me if my full social security number is not included in the court record. 

In addition, I am attaching a letter from XXXX XXXX who is a XXXX party data furnisher for XXXX, and they do not have a record of me in their system. I have submitted a request to XXXX XXXX on 3 occasions and each time have been told that there is no record on file for me. I am also attaching an email from the XXXX  USCOURTS branch, and it states that XXXX  does not contact consumer reporting and credit reporting agencies. XXXX  simply provides access to federal court records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
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:
From a collection agency called XXXX XXXX  XXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame. 

4. I also spoke to XXXX, and Experian again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.

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 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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:
THESE COMPANIES KEEP LETTING PEOPLE PULL MY CREDIT, 24 INQUIRIES? WHO DOES THAT? IVE CALLED THEM TIME AND TIME AGAIN THEY WONT REMOVE THEM 24inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlock

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 2021-09-01
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The car loan was paid off around XX/XX/2021 after the car was repossessed. I called American Credit Acceptance within a week and requested my title so that I can take it to Florida Highway Patrol to have the lien release and get my title without lien. I was told on XX/XX/2021, that my papers was mailed out on XX/XX/2021 and received a email of the documents that was supposed to be sent to me. XXXX XXXX still no title, a rep claimed it was mailed out and give it two more days. After waiting three more days still nothing, so I reached out to the young lady that sent me the email name XXXX XXXX and told her that I hadnt received my paperwork yet. Mrs. XXXX then told me that she would send out a lien release form on XX/XX/2021 and I should receive it in a couple of days. Sill the original paperwork I received a email copy of hasnt made it yet. So I called on XXXX XXXX and spoke with another representative and asked about the original paperwork and explained Mrs. XXXX was sending out the same form he offered to send me. He wasnt aware of any other paperwork that was supposed to be mailed to me, and said he was sending me a lien release form again. This time I was told to give it five days not two. Its been a day short of thirty days since the car was paid off and the finance company will not send me my paperwork so that I can get the lien released from the state of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check using app and received notice that my funds would be available the next day so I schedule a payment for the next day. When I checked the status of my deposit the next day the check was hit with an 8 day additional hold. My scheduled payment went through and put my account in the negative. 
I reviewed my account on the latest scheduled day and without any explanation the money was still not available. The manager of the branch and the corporate help line have offered no explanation as to why my funds are still unavailable or when they will clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Lending Force, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lending Force contacted me on my mobile line XX/XX/2022 using an automated dialing service for a mortgage. I have not contacted Lending Force or any affiliate to obtain mortgage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an online account with Discover Bank on approximately XX/XX/XXXX. The promotion I signed up for included a bonus of {$150.00} for an account deposit of {$15000.00}. I made the deposit for that amount. Three days after I opened the account, Discover restricted my access to the account stating, suspected fraud. I contacted them immediately and they told me they could not disclose any information. A few days later, I tried again with the same results. They told me I would receive a letter of explanation, but the letter told me nothing. They told me that my money would be returned in 60 days, however, they said that the bonus and interest would most likely not be paid to me. I would like my deposit returned immediately, along with my bonus and interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
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 XXXX, XXXX ( XXXX ) is not licensed to debt collect in Pennsylvania. I have sent them sever XXXX 's however the are still furnishing innaccurate informtion on my report. No such records with my signature have been provided. These accounts were opened fraudelenly and your reporting of this information is fraudulent as well. I was never contacted. Pleae provide proof other than words of how nd when I was contacted, I have disputed this several times. There is no contract between me and XXXX I am going to file an ftc report and contact my lawyers immeditely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: BARCLAYS BANK DELAWARE
State: NJ
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 these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2022-12-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX

Company response to consumer: Closed with explanation