BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I recently paid off an XXXX credit card. My previous balance in XXXX was XXXX which was due by XX/XX/21. 
I made two more final purchases. One for {$10.00} on XX/XX/21 and another for XXXX on XX/XX/21. 
I mailed a payment of {$1400.00} on XX/XX/21, which did not include the {$10.00} purchase. The {$1400.00} check was received on XX/XX/21. I called XXXX and asked if my payment was received. They told me yes and that my new balance was {$11.00} but I will be charged a late fee. I accepted the late fee charge of {$40.00}. I received my XXXX statement and there is a balance due of {$83.00}. This statement is showing that I made a purchase of {$62.00} AFTER the payment of {$1400.00} was made. THIS IS INCORRECT. My XXXX statement shows the {$40.00} late fee and an additional {$31.00} interest charge on a balance that was only {$11.00}. I'm being charged way too much interest on an {$11.00} dollar balance. I should have only been charged the late fee of {$40.00}. On XX/XX/21, I called XXXX and I spoke to a customer service rep AND a senior manager and nothing was resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I deposited a {$3000.00} check to my account. Chase put the account on hold as a result of this deposit, and subsequently Chase closed my account and only returned {$16.00} that was in my account while withholding the entire {$3000.00} check. Chase stated that they will not disburse funds from the {$3000.00} check without verification over the phone from the maker of the check " XXXX ''. I have not been able to get a hold of this company over the phone, and Chase has not been able to get a hold of this company over the phone through their verification system either. 

The check was deposited via mobile deposit. The check has cleared for over 21 calendar at this point. The merchant that wrote the check has not contacted Chase to request a dishonor or stop payment on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I cashed checks totally {$6300.00}. When I realized the checks was fraud is when they was return. I called and inform USAA that it may have been fraud, that the checks was not good. I had that account for over 10 years. I didn't want it to seem like this was internally done. 
I paid the total of {$6300.00}. USAA informed me that my account would not be closed. They closed my accounts and did not say a word. I did not received a letter stating that the accounts, checking and savings was closed. 
I opened a new account with XXXX XXXX and this is when I am finding out that there is still an issue with USAA in this matter. 

It is reported that the balance is Unpaid and it was fraud. Both of which is not true. 

I would appreciate help in clearing this matter. 

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 2019-03-29
Company: DISCOVER BANK
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:
Discover Card submitted a fraudulent account onto my credit reports. Then when I told them it is fraud they sent a letter apologizing. Then they committed fraud by changing the account number and resubmitting the fraudulent account as mine. I disputed with the bureaus and it was removed. Then Discover card came back and submitted it again under closed derogatory accounts. This has been a 2-year process and their harassment and law-breaking knows no bounds and they need to be punished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to TransUnion, XXXX, and XXXX. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Thank you for your timely response to this matter.

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 2022-05-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2023-05-08
Company: Transform Credit Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My account through XXXX XXXX was charged from the credit place called transform credit Inc. with a number and mailing address that I do not have Im currently on my way to getting my credit fix because I did not approve of this loan through XXXX XXXX. I have contact the fraudulent department and journey, credit department or if XXXXe a separate department not sure if Im making any sense here but Im trying to get this situated because I am on the verge of fraudulent and identity theft so if you could please help me, I have tried to cancel from them even the place from XXXX  XXXX  has tried to call three credit places to cancel, and none of them are answering via by live person. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX of 2019 I purchased a brand new 2019 XXXX XXXX XXXX from XXXX XXXXXXXX in XXXX XXXX, VA. I traded in a XXXX XXXX XXXX for this vehicle in which I was told would be used as a down payment for the vehicle I was getting. After doing some research I noticed that there was fraudulent activity done to make this loan happen. 

1. I was not given my disclosures under the XXXX XXXX XXXX act letting me know how they would be sharing my information with 3rd parties. That is a violation. 

2. 12 U.S. Code 83- states banks are not allowed to lend their own money out so where did this mysterious loan come from that you gave me? 

XXXX. You were only able to create the loan once I signed my contract in which you create an asset on your books and make the borrow the liability creating money out of thin air but you never had the money to give so this loan was therefore created off of my signature which makes me the original creditor of the loan.

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 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Someone has registered with the State of California, unknown to me to receive unemployment benefits. I do not live or work in California, I have no real reason to have been registered with them. I have only been made aware of this because I have received letters from EDD and BOA with information regarding the benefits of the account. No prepaid card was sent to my home. I called the BOA to make them aware of this error and they advised me to reach out to California EDD. I tried to reach out to them by phone, ( which is impossible ) and through through their online portal. I have not received any follow up correspondence from the department, and I feel uneasy making the complaint without support. I would never want to take money from anyone who needed it more than I do. Please if you can, help me to make this right, or point me in the right direction. I do not want to be irresponsible about benefits that I did not request and someone else is hurting.

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 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America card was opened under my name at a different address and charged XXXX. I did not open the card and I do not live or have ever traveled to the area where the credit card was opened or used. I also have never lived in the address that it was opened. Received the credit card in the mail, which is how I noticed there was fraud occurring. The credit card I received was alaska air, so they have apparently opened many other credit cards under my name.

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 2022-05-20
Company: Experian Information Solutions 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:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} XXXX Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX 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 2020-07-10
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2022-05-20
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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXXBalance : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX co has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, XXXX has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports XXXX has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand XXXX show me the balance and return to me what is due with proper tax forms for my accounts.

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 2022-05-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I pre-qualified for a {$150000.00} mortgage with Wells Fargo. I found a property valued at {$85000.00} and made an offer which was accepted. As the mortgage process formerly began, I received routine requests from Wells Fargo for information and delivered supporting documentation in 1-2 days.

Throughout the coming weeks, my application was always described as " approved ''.

Less than 10 business days prior to closing, I received a request for additional documentation or proof of income/assets. This included proving that my direct-deposit tax refund was actually from the IRS. Moreover, I was instructed to provide monthly statements from brokers that only issue quarterly statements. 

After much frustration and speaking with managers, I gave up. 

I learned that no one is actually " approved '' until the mortgage is funded.

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 2022-02-08
Company: Experian Information Solutions 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2019-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, I filed a dispute with Equifax, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, Equifax has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, Equifax has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my Equifax report : XXXX XXXX # XXXX XXXX (  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contract Callers Inc is reporting a collection with account number XXXX on my consumer credit report. Contract callers Inc was never given consent to share my information with any third parties such as credit reporting agencies. Also me the consumer was never provided a written notice of debt validation from contract callers and with that being said contract callers is in violation of FDCPA and this collection account is to be removed from any and all consumer credit reporting agencies that it is being reported to or the FTC will be notified of this violation of my consumer rights.

Company response to consumer: Closed with explanation