BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
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: Information belongs to someone else

Complaint:
I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.

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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX I filed a dispute with Chase Visa about a charge that exceeded what I was quoted. On XX/XX/XXXX I booked a rental car from XXXX and was quoted a total of {$1800.00} ( unlimited mileage/no additional fees ). XXXX then billed me {$2100.00}. I contacted XXXX and requested an explanation as to why the amount was higher than quoted and they would not provide rationale ( " That's just what it cost '' ). I then filed a dispute with Chase Visa for the difference between what I was quoted and what I was charged. I received a letter from Chase on XX/XX/XXXX stating they had received information from XXXX that appeared to verify the charges were valid and was attached for my review. There was nothing attached ( I also verified online nothing was available ). I mailed a response to Chase on XX/XX/XXXX that there was no evidence to dispute my claim and that I was continuing my dispute. On or about XX/XX/XXXX I received another letter from Chase that they had closed my dispute finding in favor of the merchant. I called Chase and demanded to know the rationale as to why they closed my dispute in favor of XXXX. The agent reviewed the file and stated that the finding merely indicated that they believed I owed XXXX for the rental but mentioned nothing about my actual dispute that I was charged more than what I was quoted. Chase 's agent recommended that I send a letter requesting the dispute to be re-opened ( there were actually two disputes they closed without evidence or rationale but they have only responded to the XXXX one so far ) which I did on XX/XX/XXXX in which I again went into great detail about the basis of the dispute, the amount I was disputing and the fact that I had received no evidence or correspondence from XXXX justifying their charges. On XX/XX/XXXX I received two letters from Chase. The first was dated XX/XX/XXXX and stated they were investigating the dispute and would reverse the charges. The second was dated XX/XX/XXXX ( ONE day later ) that stated they " Confirmed the Transaction '' and had re-issued the charge to me for the full amount charged by XXXX. There was no explanation provided about how they arrived at that finding or and evidence to support same. I am hereby filing a formal complaint against both XXXX and Chase and am requesting assistance in remedying the fraudulent charges by XXXX and further requesting investigation into Chase for their apparent failure to perform due diligence and to execute their responsibilities under the Fair Credit Billing Act of 1975.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Calvary Portfolio LLC added a collection account to my credit bureaus without notifying me of the proposed debt or giving me the opportunity to dispute under the 30 day notice of first dunning. The only reason I knew is that my credit alerted me that a new account was added as a collection account. I immediately called them and disputed the debt verbally and then followed up with a letter that they confirmed they received. I have called them 4 times and sent another dispute letter and they refuse to remove this collection account as it was used fraudulently while I was undergoing XXXXXXXX XXXX and was disputed with the original creditor " XXXX XXXX ''. There also is NO charged off XXXX account on my credit bureaus so I am suspicious how in fact they even got this account sold to them. They were informed by me that I was consulted by a collection account familiar with the FDCPA that an account can not be reported to the credit bureaus if in fact it is DISPUTED... 
The account is listed as SERIOUSLY PAST DUE / COLLECTIONS/ATTORNEY Speaking with Customer Relations on Friday XX/XX/XXXX which will be my 5th call to them I spoke with XXXX who would not help but rather try to get me to pay them, I asked for a supervisor and got XXXX who took my information and said they will send my concerns to their upper management. Another delay and another road block to get this resolved. They will not remove it and I have told them that I am a XXXXXXXX XXXX  and my only source of income is SSI as I am not able to work due to being in a XXXX XXXX and that I am disputing this and it is making an adverse remark on my credit. 

I did inform them that if this is not removed I will be conferring with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX Balance : {$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 2022-12-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Today I was denied a personal line of credit with USAA. Im XXXX XXXX  and have been for 5 years. I also receive a XXXX check from the VA thats deposit into my USAA account for 8 years. I submitted my VA eligibility paperwork for income and 2 tax years of my income with my XXXX XXXX I was told by the USAA rep. XXXX that my income paperwork couldnt be valid. I questioned what he was saying because he sound very arrogant and rude on the things he said to me. I filed my XXXX as my name only as a sole proprietor since Im single member LLC and XXXX I added a business name on my Schedule C and schedule F. I opened a second business in XXXX and was separating my business losses and income from each business separately which is why XXXX had 2 business names. I explained this to USAA and informed them I have the exact same business for 5 years, same field of work and I can also provide 1099 and bank acct statements from my business acct. with XXXX per their website. They refused to take them and denied my loan for not able to verify my income saying my business name had to be the same for 2 years although its the same field of work. They couldnt provide me where it shows that on their list of rules since I didnt see that on the website.I told the rep that I feel discriminated against being a XXXX Women thats gross 7 figures because XXXX immediately switched his tone and became very rude and unpleasant when he seen how much I gross on my paperwork. My credit is good and now I have a hard pull on my credit report that I worked hard to maintain. The hard pull will cause my credit rating to drop when in fact I qualify for that loan and way more. I been with USAA for 10 years, have XXXX XXXX dollars worth of whole life insurance, car insurance for 4 vehicles worth over XXXX, home insurance on my XXXX house, and 3 accounts with no issues ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: Personal information incorrect

Complaint:
I XXXX XXXX noticed on my report that transunion still has the incorect name on my profile

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 2019-08-01
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:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 26 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX   XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX {$6900.00} XXXX /XXXX  XX/XX/XXXX {$5000.00} 10 XXXX   XXXX XX/XX/XXXX {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$290.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00}??????? XX/XX/XXXX {$1900.00} XXXX / XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$6900.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, blocked from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card.and and FTC Affidavit as required in F.C.R.A Section 605B.

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 2023-07-22
Company: LFG Data Services Holdings, LP
State: GA
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:
XX/XX/2023, at XXXXXXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the XXXX XXXX report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the XXXX XXXX XXXX website that the court doesnt report to credit bureaus. The XXXX XXXXXXXX XXXX Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer 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 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 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 right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 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 an account without 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 2023-06-06
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2023 The Credit Bureaus stated Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2021-06-29
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a hacking fraud on XX/XX/2021. I received an email that day, claiming I had renewed a subscription costing something like {$300.00} and if I did not want to renew I had to call a number. I called the number XXXX and a man told me that I had already been charged but that he would process a refund if I followed his instructions. I am a XXXX year old man, so I don't always follow things very quickly but he had me download something and the next thing I knew he had taken control of my laptop computer. He said was doing it to process my refund. My daughter in law and then my son came into the room during this, and my son looked at my computer screen and realized that this person was transferring money out of my Citibank account using XXXX. My son shut the computer off, but not before the hacker made two transfers of {$990.00} each. I have no idea what account the transfers went to, but I did not make them and I did not authorize them. This person, whoever he was, had total control of my computer and he said he was transferring money to my account, not from my account. I almost immediately called Citibank to report the fraud. I had my daughter in law with me to help me. I gave them the information they asked for to the best of my ability. Now I got a notice from Citibank saying that my report was not " credible ' and they are deeming the transfers to be authorized. This is totally false and I don't understand how they could possible think that based on what happened. They must be able to see where the money went and that whatever account it is it is not someone to whom I have ever transferred money before. I called them right away, so they should have been able to stop the transfer if they wanted to. I am on a fixed retirement income and losing {$2000.00} is terrible for me. For Citibank to say these transfers were authorized is just wrong and horrible.

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 2020-02-13
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I opened an American Express Delta Reserve card on XX/XX/XXXX and was approved. I opened it in large part because of the promotional offer with the card -- spend {$5000.00} in the first three months and other mileage credits if you spend certain amounts after that within the year. I opened it after much research and despite the {$550.00} annual fee because of these promotional offers. I was sent emails immediately letting me know I would receive the card within 3-5 business days. By XX/XX/XXXX, I still had not received the card so I contacted AMEX. I was told that they didn't know what had happened to the card but they reissued one and said it would be there by XXXX XXXX. I did not receive the card by XXXX XXXX and when I called that day and spoke to a customer service representative, they said that they weren't sure when it would be reissued because there was a " backlog '' in producing the card. I finally received a card on XX/XX/XXXX in the mail, but this card was the first one that hadn't arrived. When I called again, I was told that they could not reinstate this card and that they still had no ETA on the replacement card. 

AMEX should not be allowed to offer promotions to customers and then prevent them from earning the promotions. I now feel stuck -- I can't close the card and open a competitive one without hurting my credit. I have to pay a {$550.00} annual fee. And we are now 10 days into my three month period to earn the promotion with no ETA on when I will receive the card to use. I've called and asked for solutions. I've called and asked to speak to managers. I've gotten repeated run arounds and no resolutions other than a {$30.00} credit to my account. This seems like fraud and an unfair business practice, and I think AMEX should be forced to waive the {$550.00} annual fee and credit me the promotional amount now given the hassle and their many promises that have not been fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a credit card payment to Wells Fargo via electronic transfer from my primary account in the amount of {$13000.00} on XX/XX/. It cleared my primary bank on XX/XX/. My on-line accounts shows the transfer, however, I am unable to use my credit card due to " insufficient funds ''. I have called Wells Fargo multiple times and am getting the run around. They have told me that they put a " hold '' on the payment amount because it was a large payment. It is now going on the 3rd week that they have held these funds. I finally got a ticket generated after 3 calls. The 4th call I was told that they would have it cleared up by XX/XX/, another 10 days, 28 days total. I checked with my primary bank and was told banks have 24 hours to post electronic payments under XXXXegulation E. I believe Wells Fargo is committing fraud and using my money in other investment accounts and not posting my payment to my account. I'm sure I am not the only one this is happening to.

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 2023-12-04
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Illegal advertisement of downpayments and installments, Lack of full disclosure, and no equal consideration of contract I had to pay a {$1000.00} downpayment when purchasing from this company which is not a customary sum for a down payment which is a requirement according to the following US code : 15 U.S. Code 1662 ( 2 ) - Advertising of downpayments and installments Stating No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 


XXXXBridgecrest put up nothing of value on their end so they had nothing to lose ( no equal consideration and lack of full discolsure ) I have reached out to Bridgecrest via mail requesting a full accounting of my accounts but was denied and threatened. The following code shows the loan application that is tendered is equal to the amount of Federal Reserve note that the application is applying for. 
12 U.S Code 412 Application for notes : collateral required The second sentence of this code states : Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

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