BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for USAA credit card XX/XX/XXXX after reviewing offer on their website a 15 month 0 % balance transfer til XX/XX/XXXX then current APR on any remaining balance with a 3 % balance transfer fee. I was approved for XXXX amount. Received CC in mail XX/XX/XXXX. Called USAA at XXXX call lasted XXXX min. I was put on hold several times and the customer rep finally told me that no its 0 interest on purchases only for that period. The rep asked me where did I see it and I said it was on their website that is why I applied. We ended call and I immediately went to website and it's written plain as day the 0 % balance transfer fee. I screenshot the offer. Second call placed at XXXX the call lasted XXXX min. XXXX seconds the second rep said that the credit card I applied for was only 0 % purchases. I would NEVER have taken a hard hit on my Credit Report unless I was sure of the offer. This is bait and switch and deception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My Name, Is XXXX XXXX. 
I would like to complain the ChexSystems XXXX The giving a negative report agains me thats why I cant open a account to any banks I trying to get the information or the report agains me using Electronic system and they said I need to wait within two business days but its already one week I never Receive mail from them..

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 2023-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received an email notification from JP Morgan, Chase, indicating that I had signed up for paperless statements for my newly opened credit card. However, I did not just open a credit card and became suspicious of fraudulent activity. In addition, I also received a notification from XXXX identity monitoring through my XXXX XXXX XXXX XXXX premium checking benefit. I contacted Chase to inquire about the issue. They verified that a new credit card had in fact been opened yesterday on XX/XX/2023 in my name. I told them that I did not open that line of credit. They asked me if I considered it fraud. I said yes. They asked me if I wish to have the account closed which I did. However, they would not share any other information with me regarding how or who mightve open this line of credit without my consent. They also instructed me to contact the three credit bureaus to have a fraud alert placed on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022 a wired transfer of {$17000.00} from a Citibank savings account was unlawfully transferred to a XXXX XXXX. The bank was immediately notified in person and over the phone. A police report was then made with a complaint number of XXXX.Investigation remains in progress at this time and money remains unreturned.

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 2023-08-11
Company: CCS Financial Services, Inc.
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, consent, inquires. Credit Collections Services ( CCS ) Reported : XX/XX/2023 Opened : XX/XX/XXXXXXXX Credit Collections Services ( CCS XXXX Reported : XX/XX/ Opened : XX/XX/2023XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
someone posted a fake XXXX XXXX number and i gave them personal information and debt card number and will charge my account at 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 2023-08-11
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
To Whom It May Concern, I am a victim of identity theft, XXXX XXXX opened up a fraudulent auto loan in my name with XXXX XXXX. I have filed a FTC report, Report number : XXXX. I have contacted XXXX XXXX, XXXX, XXXX and Equifax to have this fraudulent account removed, and they have yet to remove this account. In addition I have filed a CFPB complaint against XXXX that has not been acknowledged and it has been well over 30 days, Complaint id number : XXXX. A copy of my drivers license and social security card as proof of my identity, proof of my current address, plus FTC Report. I am writing to request that XXXX, XXXX and Equifax place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
In addition, this is hurting my reputation and disabling me from applying for a car, a house, and anything that has to do with using my credit FICO and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I served on a lawsuit for debt that I asked to be verified in the past but the collection company couldn't produce any original contracts with the original company to prove that I even owed the debt. I asked them to stop contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Frontline Asset Strategies, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to use XXXX internet service at my new location. I was sent their gateway device and hooked it up on XX/XX/2022 but I could not get service / signal. I tried to cancel the service from XX/XX/XXXX through XX/XX/2022 but XXXX customer service as well as 2 stores said they can not cancel. On XX/XX/2022 I asked the sales rep how I can get the service cancelled. For the next week I made numerous attempts to cancel but every attempt was refused by XXXX by unethical tactics... transferring me to another call center rep to start over, telling me they would call me back, hanging up on me, saying that only the initial sales rep could cancel, saying they could not verify me and finally lying that it has been cancelled and there would be no charges. However they still had not sent me the return label for their device so I stopped at a store to get a label and was told the account was still open and that only customer service could cancel. I immediately sent everything back to XXXX and again called customer service. I have spent well over 6 hours on the phone over a several week period trying to cancel the service and have repeatedly been told the account was cancelled and I owe nothing. However I was still sent a bill and weeks later I got a call from collections saying I owed money for the days I had used the service. I disputed this because I never had service/ signal in the first place and have been trying to cancel since 8 days after I received their gateway device. I was also told this would not be reported to credit bureaus until I heard back from XXXX about my dispute. I never heard back but just found out a claim was filed with the credit bureaus. I called XXXX customer service and was again told the account is closed and I owed nothing. So I called the collections agency who said I now owe {$92.00} instead of the original {$140.00}. I told them I am disputing the charge again because I never had service and they refused to cancel the account. XXXX 's unethical practices has cost me many hours of my time and damage to my credit report. I am enclosing a pdf of my conversations with the sales rep showing my attempts to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been deffering my property taxes fo 10 years. First with Nations star ( took over XXXX XXXX XXXX   loans as I recall ). As provided by Texas law. And now the loan is with Mr. Cooper. 

For some unknown reason Mr. Cooper paid all of the accrued property taxes ( in error I assume of {$69000.00} ). They indicated they had contacted XXXX county to get a refund because of the error and XXXX county advised it would take 60-90 days to respond. 

In XXXX they informed me they would have to raise my payment from {$1300.00} to {$3100.00} ( {$1700.00} ) I assume to reimburse them for their error. I can not afford that, the reason I was defferring taxes. 

I complined about the action and they responded. And after talking to several representatives. They advised me my payment would remain at {$1300.00}, and the XXXX statement reflected that amount. I have a response stating that amount. 

Today I recived a new statement dated XX/XX/2019 due XX/XX/2019 and the escrow account is $ XXXX. Back to the original problem.. 

My loan number is XXXX. 

I am concerned as I am on a fixed income and can not pay the additional {$1700.00}. 
Why should I be penaalized for their incompetence? 

I understand that everything will be paid when we sell the house and or the owners are deceased. 

Your help or advise would appreciated. 

Respectfully, XXXX XXXX 512 t

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CITIBANK, N.A.
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I responded to preapproved Citibank credit card offers I received via mail. I was declined when I applied on XX/XX/XXXX [ Hard inquiry on XXXX ]. Then in early XXXX I received another preapproved offer. It was for a different card, so I thought maybe they were qualifying me for a different card??? Declined again on XX/XX/XXXX... I then realized I have a 2nd Hard Inquiry ... .but on XXXX XXXX So 2 hard inquiries and I get nowhere. On XX/XX/XXXX I finally called them because I've received 2 MORE PREAPPROVED OFFERS... they gave me the run around, said a supervisor would call me back within 2 days ... never happened. I received ANOTHER CITI Custom Cash Card Preapproval on Wed, XX/XX/XXXX, so I called again TODAY... finally got to a supervisor... they put it all as my fault when it is not. I am being victimized ( yes, I've both gone online to OPT out and called to OPT out of screenings/offers... but Citi doesn't seem to care and now that they have hurt my credit with 2 hard inquiries and I have even more preapprovals from them and they don't care that they are victimizing me and my credit score ... tell me it's my problem they didn't do anything wrong. I did my research ... and checked my 'soft inquiries ' on all 3 credity bureaus ... CITI has never done a soft pull to preapprove me ... so that eliminates that being their source. I think they are violating numerous consumer protection laws by fraudulently sending me preapprovals when they've declined me 2 times. I have to take a stand. They are obligated by the Office of the Comptroller of Currency to ensure they are utilizing valid data on any preapproved or prescreening Solicitation campaigns. They have violated my rights and, refuse to do anything. I asked that they remove my name from everything related to Citi, they remove the 2 hard inquiries, and that they further carefully reevaluate their credit card solicitations to minimize exactly what I am experiencing. They refused to do anything whatsoever, including excluding me from any solicitations from Citi. Please help.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND XXXX, XXXX AND TRANSUNION ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated

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 2023-05-30
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: TX
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:
I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX  and EQUIFAX denied any inaccuracies but after further investigation I can confirm they are reporting incomplete and inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX  yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with EQUIFAX who is allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give EQUIFAX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: AL
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 filed an identity theft FTC report due to wrong information on my reports. After many months of trying, I am seeking your assistance because no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: IL
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Complaint filed with Trans Union, XXXX and XXXX regarding unauthorized and unverified accounts on my credit report. Information is misleading and goes against the FTC Laws ... FTC report filed due to information on my credit report that is not accurate. Report is attached please delete all reports.

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 2018-08-25
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My promotional interest rate on this is not correct. It should be 1.99 % it is not. I only recently learned of this while investigating my other card.

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