BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been through a complete downhill battle with USAA and their credit card. We have been loyal customers to this bank and had a low balance of {$1000.00} on a {$6500.00} limit card through USAA that they stopped taking payments for last XX/XX/XXXX. We have changed our checking account numbers and tried every method known under the sun to try to pay this stupid card for the past year. Now, they have reported a 30, 60, and 90 remark on my husband 's credit report because THEY will not take the payment. We have added the accounts through the phone, online, etc. I am now trying to pay OFF this stupid card because they are destroying my husband 's credit for no reason other than negligence. In XX/XX/XXXX they decided to close the account without any notification. When asking USAA why they closed this account, to our surprise, they insisted that a letter had been sent that was NEVER received by the address that has been the same for almost 5 years, now. The same issues present itself over and over again. When recently trying to get fees from their end taken off because of " late payments '' from their system that will not accept the payment from our banking account ( XXXX ) we received hateful attitude and discussions about how it is our responsibility and not their issue that the account is late paid .... even though we have proof and offered to show this proof to USAA that they are not accepting our payment! I guess this will have to come down to harassment clauses eventually because we feel harassed and this needs to be mitigated ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Lennar Financial Services, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/22, XXXX XXXX of Lennar Mortgage provided me with a quote for a loan, indicating the property in question, a condo development, XXXX XXXX, located in XXXX, VA, qualified for XXXX loan program. XXXX XXXX is a development built by Lennar Homes. Lennar Mortgage and Lennar homes are both part of the same parent company, Lennar. 

Relying on the quote from XXXX XXXX that such property qualified for XXXX loan programs, separate quotes were obtained from outside lenders. 

During the closing process, it was discovered the condo project in question only had 44 % of the units conveyed to owners or under contract. This requirement meant the project did not qualify for XXXX loan programs. As part of the same company, XXXX XXXX would have known the occupancy and under contract rates of their own development. 

It is my contention that Lennar Mortgage, in combination with its sister company, Lennar Homes, is participating in deceptive lending practices. Specifically, a bait and switch scheme that would leave potential buyers scrambling for financing after being under contract when such XXXX loan programs can not be utilized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : XXXX. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

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 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 2023-01-23
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
This involves AMEX and using a credit card for charges not approved/authorized on my account. 

In XXXX XXXX XXXX I received a notification and call from AMEX about a late charge on my account. I was very confused as I had placed a freeze on this card years ago and frankly never used the card. 

Upon engaging with them to understand the charges, I was instructed to pay the amount and they would file an appeal to take off late charges. At that time, I said I don't remember making these charges on the card. I was not referred to fraud departments. Then, the transaction fees were not waived nor were any actions taken by the financial agency to resolve the issue. 

Now, I find my credit score has a large impact on it because they reported these late payments for unauthorized charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
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 : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$32.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Collection account. {$84.00} past due as of XX/XX/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 2022-05-23
Company: Exeter Finance Corp.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2022 I received a copy of my credit reports. After reviewing these reports, I identified an account that I did not recognize being reported by EXTER Financial. XXXX XX/XX/2022, I sent EXTER a letter disputing the entry and requesting documentation that I had a contractual obligation to pay them a debt. I send this letter via USPS Mail, certified with a tracking number of XXXX XXXX XXXX XXXX XXXX, which was received and signed for on XX/XX/2022. 
On XX/XX/2022, I received a new copy of my credit report. Upon examining it, I noticed that EXTER failed to annotate my credit report as Disputed by Consumer, in accordance with the Fair Credit Reporting Act, section 623 Responsibilities of Furnishers of information to consumer reporting agencies. Paragraph ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person ( EXTER ) to any consumer reporting agency is disputed to such person ( EXTER ) by a consumer ( ME ), the person ( EXTER ) may not furnish the information to any consumer reporting agency without notice that such information is disputed by consumer. 
On XX/XX/2022 I prepared a 2nd letter to EXTER Financial and informed them of their error in following the FCRA. That letter was once again send via USPS Certified mail, tracking number XXXX XXXX XXXX XXXX XXXX, which was signed for on XX/XX/2022. 
On XX/XX/2022 I received an updated credit report, and noticed that not only did EXTER again fail to follow the FCRA, once I informed them of their mistake, they again reported a closed account to all three Credit Bureaus. 

This type of failure to follow federal law should be taken very seriously, and they need to be help accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 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 2022-05-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This property is a rental. The person renting from from us was struggling during the Pandemic XXXX he was laid off from his job part of the time and he also had XXXX. 
Wells Fargo asked me about doing a Forbearance and we agreed. 
When it came time to end the Forbearance period the only option we were given originally was a short sale b/c it was a rental. 
My husband and I are XXXX and XXXX XXXX XXXX, and we have been negatively been touched by XXXX. My husband has has had severe complications and has been hospitalized 7 times and they have been near death experiences. 
We don't have any huge savings. This rental property and the home that we live in are all that we own and we didn't want to sale this rental property. 
The amount that was put in Forbearance should have been put at the end of our loan we should have an opportunity to pay the balance off over the next 360 months. We were finally able to work out a repayment plan but we were not given anywhere near 360 months. Why can't we have the 360 months that the government allows?

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: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had US Bank Skypass Visa Signature Card # XXXX XXXX XXXX XXXX with 12 month anniversary payment date XX/XX/2023. I wanted to close the account prior to due date and called Customer Service on XX/XX/2023 to close the account. Agent asked me the reason why I want to close the account and I told this agent that I have many other credit cards and I don't want to pay renewal fee {$95.00}. Then agent suggested me to convert this Visa Signature Card to standard Visa Card which has no annual fee. He added that I will get {$95.00} annual fee reversal in 30 days. I trusted the agent 's remark and agreed to convert to Visa Card # XXXX XXXXXXXX XXXX XXXXXXXX. 
Renewal fee {$95.00} was charged and I paid. 
But this renewal fee for Skypass Visa Signature Card has not reversed. I called the Customer Service in XX/XX/2023 and XX/XX/2023. Finally, Cardmember Service Representative, XXXX XXXX sent me a letter that they are unable to waive the Annual Membership fee. 
If I had to pay renewal fee {$95.00}, why would I convert ( downgrade ) to standard Visa Card and still pay {$95.00} annual fee for nothing?

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 monetary relief
Consumer complaint received 2023-05-08
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # : XXXX, Account name : XXXX XXXX  # : XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
In XX/XX/XXXX I was sent an offer from Capital One to apply for a credit card. Upon submitting my application, I was approved for a Secured CC. I was advised at that time that I would be considered for a credit line increase, to be switched to an unsecured account within in 5 months, and that this was a procedure done to establish a relationship between Capital One and myself. I did receive the credit line increase, but the account status change didnt occur. Ive reached out Capital One multiple times over the span of our two-year relationship to inquire about my account being switched from secured to unsecured. On XX/XX/XXXX I reached out to Capital One to make a final inquiry about my account being upgraded. I spoke with Senior Account Supervisor XXXX @ approximately XXXX XXXX EST. XXXX continuously advised the me to apply for a new account stating, its much more difficult to have your account upgraded to unsecured than it is to apply for a new unsecured account. I specifically asked XXXX does Capital One periodically upgrade secured accounts from secured to unsecured? XXXX response was yes but not at this time. Ive had my account in GREAT standing ( never missed a payment ) throughout the entire time of my account history. The only recommendation the anyone at Capital One has made is for me to apply for another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Collection Bureau of America Ltd.
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:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Account information incorrect

Complaint:
Ive have contacted the XXXX XXXX provider to report accurately report account status to all major credit bureaus. The company denied my request and stated they have the right to not report at this time.

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 2023-09-13
Company: CITIBANK, N.A.
State: CA
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 did not authorize my card to be charged by XXXX XXXX XXXX for {$2.00}, XXXX, and I told and have given police and identity theft report also company charged debt off to other debt collectors and they have been harassing me and creditor is still seeking payment with other debt collectors and thats unlawful and they have this information. I have also asked for verification of my authorization this transaction and they have not given me that! And the reinvestigation did not seek valid proof or information about this account

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 2019-09-03
Company: Risecredit, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Rise charges a customary fee. According to my contract that fee is calculated at XXXX per day. I am being charged over {$120.00} biweekly for the customary fee. As of today i have paid {$1100.00} towards this loan and only {$180.00} has been applied to the principle. When i call customer service i get no intelligent response only that because i live in Tennessee and Tennessee has laxed loan shark laws Rise is allowed to charge me as they please. My contract also states the interest and commissary Fee are an equivalent of XXXX but i am being charged that as additional interest each statement. As of today i have paid over {$750.00} for this customary fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Negative information is damaging my credit score. I request a full investigation of the facts. It is illegal companies decrease their tax burden while increasing mine. Would you want someone to do that to you? Inaccurate info. Account written off/accepted by 3rd party. Per FCRA and 15 USC 1681-1681x, law states listing inaccurate and information is illegal.

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 2021-10-18
Company: Armcon Corp
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:
I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
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:
I financed my vehicle through Chase Auto Finance. On XX/XX/2020, I received notice in the mail that Chase 's lien on my vehicle had been satisfied and that my account had been paid in full. However, since releasing my lien, Chase has failed to deliver the vehicle 's title to me. I have tried contacting Chase several times to inquire about having the title mailed to my current mailing address. Each time, various different Chase representatives tell me that they will look into the matter, that they will mail the title to my address, or that they will call me back later. None of this has ever happened. As a result of Chase 's inaction and failure to deliver the title to my vehicle, I have neither been able to drive my vehicle nor even register my vehicle so that I can operate it legally. I have also contacted my local DMV for help with this matter, but they are unable to do anything without the vehicle 's title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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