BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I, XXXX XXXX a natural person and federally protected consumer, give TRANSUNION LLC and the CFPB AUTHORIZATION to proceed with this complaint. I have disputed these accounts. TRANSUNION LLC claims that these alleged accounts are reporting accurately. How can they be reporting accurately if three consumer reporting agencies are reporting that the US DEPARTMENT OF EDUCATION aka the federal government is making these reportings when the US DEPARTMENT OF EDUCATION is located in Washington, XXXX and contact number is XXXX? How can all 3 elaborate mechanisms known as consumer reporting agencies be reporting the same alleged account with the same alleged balance and the contact information is completely different from all 3 consumer agencies. Literally, 3 different contact numbers and located in 3 different states. How is that an accurate reporting? Who is the DEBT COLLECTOR making these reportings that are false and misleading and posing as the federal government? Who owns this alleged debt as only the original creditor with the original note has lawful rights to collect an alleged debt? Pursuant to 15 USC 1692c ( b ) it is unlawful to communicate with third parties without the consent of the consumer. So how did you get this inaccurate and unlawful information if I, the consumer, NEVER directly gave this alleged debt collector my consent to communicate about this alleged debt to third parties, consumer reporting agencies? If you have LAWFUL RIGHTS to report this inaccurate information please provide the law. If you continue to participate in this fraud by defaming my character by way of placing negative items on my consumer report to coerce payments from me then I will be forced to seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Dear Ombudsman : XXXX XXXX XXXX, through US Bank, did not let me know that they were charging me non-compliance fees in XXXX of XXXX by hiding them on an online Statement in stead of itemizing them on my checking statement like they used to when I signed up with them in XXXX. When did they start this unfair practice? Also on their emails it states " ... and you are now at risk of losing your PCI program fee discount. '' It did not state that I HAD LOST my DISCOUNT. This is a poor business practice. Then they refused to credit me back my 5 months of $ XXXX month fees when it is because of their lack of communication that I did not fill out my compliance. A couple of Months later, in XX/XX/XXXX and {$240.00} in fees later, when I confronted them about refunding me the hidden fees they told me no. This is outrageous when I have always been in compliance. I guess Elavon and US Bank are too big to care about small business. My husband and I thought they were different than the other corporate banks that we were with previously. 

If there is any thing you can do to get my {$240.00} in fees back and hopefully prevent this from happening to other businesses, it would be greatly appreciated. Thanks.

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 2021-12-18
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I met with Bank officials at Key Bank, XXXX, XXXX in XX/XX/2021, regarding being charged, penalized & deducted from my checking account, {$140.00}. I asked if this was a state or federal requirement, as opposed to just bank policy. I was advised that this was a state law. I requested that they provide me with the appropriate legal site to the law, which they were unable or unwilling to do. To this day, I have not received any proof that this is a New York State requirement. 

I am on a fixed income and the banks policy can only be described as usurious! 

I respectfully request you investigate Key Banks policy of penalizing account holders in the use of their money. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Gusdorf Law Firm, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Gusdorf Law Firm manages delinquent accounts and debt collections for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX, following a XXXX case that was settled, Gusdorf defrauded me of {$1400.00} in overcharges and excess garnishments. When I advised XXXX XXXX of Gusdorf Law Firm of the fraud and presented evidence of merit in support the claim, they pursued me for outstanding XXXX  debt I did not owe and used the Civil Court to perpetrate and cover up the fraud. A judgment, against the weight of the evidence, was entered against me in XXXX case, and the case is currently on appeal with the XXXX XXXX XXXX XXXX XXXX and the judgment is stayed.. 

In XX/XX/XXXX, Gusdorf Law Firm ( on behalf of XXXX ) involved themselves in a real estate transaction for the sale of my home. Not only was a XXXX XXXX XXXX ( 0.75 % interest monthly or 9 % annum ) attached to the property, but Gusdorf advised the title company that two additional liens existed on the property for both Case XXXX XXXX and the current Case XXXX XXXX that is on appeal. See attached settlement letter filed by Gusdorf on XXXX XXXX XXXX and the lien statement provided to XXXX XXXX XXXX did not exist on the property for either of the cases, and this fact is consistent with the title report and findings of the title company AND property records obtained from the Recorder of Deeds. 

The three ficticious liens included lien terms, policies, and conditions ( challenging title and ownership of the property into the future ), which I was required to approve in order to sell my property. It is my opinion, the interference and illegal actions of Gusdorf Law Firm were attempts to gain strategic advantage in the XXXX case that is currently on appeal and divert and/or possibly steal the proceeds of the sale. 

The illegal actions of Gusdorf Law Firm caused a breach, and the sale was terminated due to FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Chime account got closed with the amount of {$15000.00} in my checking account. This took place early in XXXX and I gave the company a call they told me they would send my closure check to the address I had on my account buy I was no longer staying their so I had to send them documents days later on XX/XX/XXXX to get it sent to my correct address. I was told that they were printing my closure check and it would arrive at the address I confirmed but they never truly sent it. I had to continue sending the same documents only for them to finally tell me months later on XX/XX/XXXX they sent my check via expedite to my new address and I would receive it in 1-3 business days then a week went by still no check, so I asked for a tracking number and was told I could no longer get my money for my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had to refile my complaint as i used my sisters account to file for my old complaint and paypal said they were unable to respond to it due to the name being a different name. 

XXXX Paypal supports scammers XXXX XX/XX/XXXX. I purchased the XXXX XXXX from XXXX XX/XX/XXXX I received it. XX/XX/XXXX ( Saturday ) I opened it to assemble it. I found one huge hole on the panel, peeling on the side, crack on the side. I contacted the seller right away. At the same time I filed a dispute with paypal. XX/XX/XXXX XXXX responded to me advising me to dispose the damaged item, however since there is a dispute they can not issue a refund until the dispute is closed. I forwarded all information to paypal. XXXX responded to my dispute saying I did not return the item therefore they were not able to refund me. How convenient! They advised me to dispose the item! At first I disputed it under Item not As Described. However a representative changed it to credit not received since XXXX did mention they wanted to refund me but they could not because of the dispute. XX/XX/XXXX, paypal closed the case in XXXXXXXX XXXX  favor because I could not submit proof where XXXX said they would refund me, what i submitted was not good enough. I sent over photos of damaged item, houzz telling me to dispose of the item, was paypal thinking that XXXX just told me to dispose and get lost with no refund? 

Paypal you are aiding scammers. Shame on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Bread Financial Holdings, Inc.
State: IL
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 Comenity capital BankXXXX XXXX XXXX has violated my Rights. 

15 U.S.C 1681 Sect 602 A states I have the right to privacy.

15 U.S.C. 1681 Sect 604 A Sect 2 it also states A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666 B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: I.C. System, 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:
I filed a identity theft report in XX/XX/2023. Listed on my credit report is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have no contracts with either of these creditors.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: LA
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: PA
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:
My Personal information needs to be updated on my report. I should have 1 address XXXX XXXX XXXX XXXX PA XXXX all other addresses on file are non- mailable addresses. This will help prevent possible fraud issues. 

1 name - XXXX XXXX XXXX 1 Phone Number - XXXX 1 employer- XXXX XXXX XXXX XXXX 1 email address- XXXX All information in my report should be 100 % Accurate XXXX XXXX and XXXX has updated this information.

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 2021-12-18
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: Account information incorrect

Complaint:
XXXX, Experian, XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, State : XXXX XXXX Texas Prior Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) XXXX $ owed are no longer outstanding for the following items : XXXX XXXX XXXX. 
I am disputing this claim due to : XXXX XXXX XXXX I have sent a police report to support this letter. Please delete this account its reporting inaccurate R ( repossession ) activity years after account has been closed. Delete for inaccuracy. Also, the dates that this account was opened is inaccurate as listed below. This report is hurting me and family emotionally and financially. A copy has been sent to the Fair consumer agency ACT. Law requires any inaccurate information to be removed. It is also informed that the collector has sold the vehicle to an auction no formal letter was ever given to me concluding inaccurate balance. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Name must match Credit file as stated here XXXX XXXX XXXX XXXX. Validation is needed accuracy of this account must be sent to my address XXXX XXXX XXXX  XXXX, XXXX : XXXX XXXX Texas XXXX. 

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$20000.00} {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$10000.00} {$10000.00} {$10000.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Unpaid balance reported as a loss by credit grantor. 
Merchandise was taken back by credit grantor/there may be a balance due. 
Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX 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 2021-12-18
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New mortgage loan servicer ( Shellpoint Mortgage Servicing XXXX as Newrez LLC ) acquired my mortgage loan mid-month after our first payment was issued to the original mortgage servicer. Newrez sent us a bill that didn't reflect the payment made to the first mortgage servicer. The first mortgage servicer reported our payment as lost so we promptly issued payment to Newrez to ensure our account would be current. We were instructed to issue a stop payment order with our bank for the first missing payment. After Newrez received and processed our direct payment, and our account was fully current, Newrez received our " lost '' check from the original mortgage servicer, endorsed it, and attempted to apply this payment to our account. After our bank rejected the payment due to our stop order request, Newrez charged us a {$25.00} fee for non-sufficient funds. We've written Newrez multiple times to dispute this charge but they failed to reverse their late/NSF charge . Newrez is knowingly and willfully engaging in deceptive and unfair business practices by acquiring loans, sending bills when payment is in process with the original loan servicer, and then charging late or NSF fees when the borrower/consumer is working to ensure that only one payment is applied at a time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My father opened an account with XXXX and added me as an authorized user. He passed away XX/XX/21. Ive tried getting them to remove this account from reporting on my credit as it is affecting my score. They will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
In the past TIAA Bank allowed customers to provide instructions as to what to do with matured CDs prior to the maturity date of the CD. Customers could provide in advance, for example, that the funds from the maturing CD should be sent to the customer. TIAA Bank recently sent a letter to its customers stating : [ W ] e will undergo a system change that will require you to call us after your CD has matured and is within the 10-day grace period that follows your maturity date in order to provide CD maturity instructions. That means we will no longer be able to accept maturity instructions in advance of your CD 's grace period or honor any previously provided instructions that you may have selected for your CD in our online account self-service tool. 
*** In other words, TIAA Bank wants to make it harder for me and other TIAA Bank customers. It wants to ignore prior instructions and instead insist I and other customers make a particular decision in a specified time frame. This ignores real life issues and the prior ability to make decisions prior to maturity. To me, it just seems like the bank wants most customers to forfeit the opportunity to make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/XXXX I received an email from Citi that my credit card had been closed due to inactivity. I did not receive prior notice of this event, and was surprised because the expiration date on the card was for the year XXXX. I called Citi to reverse this, and was told that the reversal process would create a " hard '' credit pull on my credit history, and the reversal was not guaranteed, but would be essentially reapplying. I have several concerns : 1. An unexpected loss of a line of credit ( which could be needed in an emergency ). 2. A hit to my credit due to reapplying and a hard credit pull. Also, this is my oldest credit cards, and I know this factor is taken into account in determining my credit score. I worry my score may further drop without this account 's longevity. 3. As there was no prior notification and the expiration date of the card stated out into the future ( XXXX ), I feel there was no reasonable way I could have prevented this card 's closure. I asked what Citi 's policy was on inactivity, and they could only vaguely state it was something " after a few months of inactivity. '' How can I guess what this vague statement means? I believe this may fall under the purview of UDAAP related regulations.

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 2021-05-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
By law, I should be allowed to get a free credit report from each of the three major credit bureaus from the XXXX site. 

I was able to get a report from XXXX  and XXXX  XXXX I note this to demonstrate I was properly logged into the site ). When I attempted to get one from Experian, I received a message that I could not do this online, I had to send a letter to their office requesting my credit report. 

Some time back after a major breach, I had placed a freeze on my credit on all three credit reporting companies. While I see that Experian had removed the freeze without my knowledge, they did allow me to turn on the freeze again. Since Experian won't give me a credit report without my requesting it by mail, I attempted to at least turn on a freeze to make sure it was still in place with them. I received a notice that I can't turn on a freeze online, I need to send them a letter along with copies of utility statements and such. 

Although I will proceed to send them certified requests to obtain a copy of my credit report they should be forced to provide this through the annualcreditreport website like the other credit reporting companies do. I assume they think that requiring people to submit paper request via postal mail will make people give up.

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