BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Sometime in XXXX, on the advice of a USAA customer service rep, I analyzed my XXXX  account for any fraudulent activity such as unauthorized debit transactions and withdrawals. Upon completing this, I discovered many unauthorized transactions and atm withdrawals that I am certain I did not initiate. I notified USAA and filed a dispute on the transactions that I discovered to be fraudulent. USAA investigated these disputes and issued me credits and/or refunds for the disputes found in my favor. However, I recently discovered something very troubling and disturbing regarding the funds in my account. After checking the budgeting tool on my checking account transactions page, I noticed that the total income versus spending is off by {$29000.00}. As of XX/XX/XXXX, my total income received since opening my account is {$220000.00}, and my total spending is {$190000.00}. To my understanding, income includes all monies that are credited to your account such as XXXX payments, employment income, interest, check deposits, refunds, and electronic transfers. On or about XX/XX/XXXX, I contacted USAA to file a dispute unrelated to this issue, I then inquired about this huge discrepancy and the agent informed me that it could be due to transactions that are still pending. I told him that's impossible considering the substantial difference that exists between spending and income. I have concluded that my money has gone missing somehow and, as a result, I would like for this matter to be investigated to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bought wedding rings XX/XX/XXXX with a promotional XXXX for 48mths. Then bought my husband a XXXX Chain necklace XXXX of XXXX with a promotional balance of 0 % for 12months. The firs promotional amount was XXXX XXXX monthly, then added was {$190.00} for the second purchase. So in calculations I paid XXXX to XX/XX/XXXX, XXXX XXXX monthly. I looked at my XXXX statement to see that i should only have {$100.00} paid to payoff the 0 % for 12 months. Instead I see a payoff for XXXX to be paid by XX/XX/XXXX. I didn't think this was correct, So I called the card services area and talked to a manager to express my concerns. I was informed by XXXX employee # XXXX the Manager of IDDEAL card services that their is nothing that can be done. I asked the company to apply the payments correctly that all {$200.00} extra payment to be applied correctly. I was told by XXXX, she understands my frustration but can't help me with options to correct the company error. So this company applied all these payments to the first promotional because it was at 9.99 % and company made a decision to apply it how they wanted it so I can be hindered with a 29.99 % if the balance wasn't paid in full when ultimately it should have been paid in full. This is credit robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : 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 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 2023-12-02
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a XXXXXXXX XXXX XXXX. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. 

As reported to EQUIFAX : there is only history for 3 months in XXXX ; XXXX  60 days past due, XXXX  90 days past due and XXXX  120 days past due. There is no other data provided for this account in Equifax. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my Equifax File. 

As reported to XXXX : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. XXXX shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. 

The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to XXXX : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. 
XXXX shows the date the account will fall off is XXXX of XXXX, but Equifax shows XXXX of XXXX. XXXX shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26
Company: Stellantis Financial Services US Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Sent a notice of right to cure default the day after a payment was made. Given 10 days to make another payment when my payment was two days late. They have been threatening me to cure the car with no reason at all. I have 1 year left and it seems like they keep threatening to come get my car without cause and it feels very intimidating and illegal. You have people that are 60 days late.

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 2023-12-01
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Their newly updated website is completely unusable. Every time I try to make my mortgage payment, it sits idle for half a minute and then spits out an error saying there is something wrong. The entire website takes a very long time to load, even when I go to my profile to check what payment methods it has, it initially shows none, then after some time shows the payment method I use. 

The previous version of their website was at least functional, this is hindering me from being able to pay my mortgage on 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 explanation
Consumer complaint received 2023-12-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After I had to close my account with chase bank they manager who did so had a nasty attitude and did not close or cancel the direct deposit request for my social security. Now I have to wait up to ten business days for the funds to be sent back to social security and then routed to my new account because some incompetent bank employee failed to properly ensure everything was closed and cancelled out on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account on ChexSystems doesn't belong to me, please see attach FTC Report

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 2023-11-14
Company: EQUIFAX, INC.
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 sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted support to remove a {$40.00} late fee that was placed on my account when I had paid on the day it was due. They refused to remove the fee because they work off east coast time and they see me as having paid 38 min late when I was actually before the end of the day. This issue is extreme and unfair and unreasonable to charge and is just a way to increase profits. In no way is there a financial hit the company takes by charging these high fees. They don't need to some kind of cost of lending because a person pays 38 min late in east coast time. This is truly predatory lending.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attn : New Complaint : Thus is not a duplicate Subject : Complaint Against Trans Union for False Credit Reporting and Antisemitism/Discrimination Violations Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to file a formal complaint against Trans Union regarding false credit reporting and potential violations related to Antisemitism/Discrimination. The details of my complaint are as follows : XXXX. **Disputed Account Information : ** On XX/XX/2023, I conducted a review of my Trans Union Credit report XXXX File Number : XXXX ) and discovered inconsistencies regarding the XXXX  XXXX Acct # XXXX. Despite earlier indications of being updated and deleted, the account still reflects as a collection on my recent report.

2. **FTC Complaint : ** I have already filed a complaint with the Federal Trade Commission ( FTC ), under reference number XXXX, against both Trans Union and XXXX  XXXX. Unfortunately, my attempts to resolve the issue by contacting both parties have been unfruitful, as each directs me to address the matter with the other. 

XXXX. **Discrimination Allegations : ** I strongly believe that this prolonged dispute is a form of discrimination based on my gender, religion, and minority status. This discriminatory practice has adversely affected my credit score, which, given my extensive positive credit history, should be in the XXXX. The unjust retention of this adverse/derogatory account has resulted in an artificial decrease in my credit score to the XXXX. 

XXXX. **Negative Impact on Life : ** The inaccurate reporting by Trans Union has had a detrimental impact on my life, affecting my financial opportunities and well-being. Despite a history of responsible credit management and payment of substantial amounts, the persistence of this single adverse account is unjust and damaging. 

XXXX. **Consumer Rights Protection Request : ** I am seeking the intervention of the CFPB to protect my consumer rights against this type of Antisemitism and discrimination. I request a thorough investigation into Trans Union 's credit reporting practices and corrective measures to ensure accurate and fair reporting.

**Consumer Information : ** Name : XXXX XXXX I appreciate your prompt attention to this matter and look forward to a resolution that rectifies the false credit reporting and addresses the alleged discriminatory practices. 

Sincerely, 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 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I would greatly appreciated your assistance in a matter that needs a resolution. 
Bank of America has continually denied my claim of identity theft due to their negligence. 
Back in XXXX of XXXX  my bank credentials were compromised and my account was fraudulently hacked of XXXX. My account information was changed without my authorization and Bank of America failed to inform me of the changes. My email and my phone number were changed in XXXX, XXXX. As the account holder, I didn't receive a text, an email or a letter to my mailing address. An online account was created and the perpetrator was able to order a replacement card via XXXX  XXXX that was delivered to my building lobby with no signature required. Leaving them with easy access to the replacement card. Unfortunately, the card was activated with my credentials and my account was comprised of XXXX. 

Serval attempts have been made including police report of identity theft, many phone calls, faxes and sending substantial proof to Bank of America, however this institution has decided to oversee their error in not informing me of the changes. Had I been contacted my account would have been in good standing today. 
As of today, Bank of America while under investigation has decided to close my account and refund me all the fraudulent ATM fees and a check for the XXXX  XXXX fee totaling {$50.00}. At this point I'm under a lot of stress and honestly, don't know where else to turn. 
I have attached their response to the claim and reason why they are denying it. Bank of America has simply decided to use the fraudulent withdraws as their proof as to why my claim is being denied. Bank of America is not providing substantial proof other than the illegal transactions. I'm also requesting records of the unauthorized changed personal information, in which I have not received.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
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. 

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 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 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that Experian, XXXX, and XXXX are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ Experian, XXXX XXXX XXXX ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A Attached

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: Experian Information Solutions Inc.
State: GA
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 hope this message finds you well. I am writing to express my concern and submit a complaint to EXPERIAN regarding the improper use of my credit report and the reporting of inaccurate information on my file. 

I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. 

It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions.

I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EXPERIAN will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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