BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
{$50000.00}, 59 months CD, 1.49 %, opened XX/XX/XXXX.

Closed the account : XX/XX/XXXX.

$ XXXXCD was on deposit for two years, four months. After fees and penalties, the {$50000.00} CD had a current balance of {$51000.00} and was redeemed at {$49000.00}. The fees and penalties totaled {$1800.00} which reversed all interest paid to date and {$80.00} more.

When I asked for an explanation, nobody at the branch could print how the penalties were calculated. I called the XXXX customer service number, and after many tries, I determined the penalty was 50 % of the interest that would be paid over the total 59 months. The penalty was 3.2525 % on a CD that paid 1.49 %.

US Bank markets the product as a standard CD. Through my experience, standard five years CD 'S have penalties of six months of interest. This penalty was over two years of interest. Amazing and outrageous.

At minimum, in my opinion, this is an unfair banking practice. Customers beware. When you open a CD at US Bank, you do not know what you are getting.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
XXXX XXXXXXXX XXXX the government has obligation to discharge and settle debt we may incur

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 2022-03-07
Company: Experian Information Solutions Inc.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX XXXX was reportedly closed on XXXX XXXX 2023, which held {$520.00}. I received no communication ( email or internal messaging ) regarding this. Ally reported that money has been sent to my state treasury ( PA ). However, I have check the unclaimed funds multiple times and as of XXXX XX/XX/2023, there has been no funds related to my name on PA Unclaimed Property ( https : //www.patreasury.gov/unclaimed-property ). I contacted them to find out about account ( did not know at the time it was closed ) and subsequently contacted them to found out about the funds to no avail.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-13
Company: Experian Information Solutions Inc.
State: OH
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. 

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 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 2022-03-07
Company: Packers HC LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account was paid as I agreed. When the account was paid off, the company reported the account late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
Equifax sent me an email XX/XX/2019 that my dispute was ready for review online. They emailed me a confirmation number before the 30 days of investigating my account which I feel their results will not be fully investigated as I asked them. So I click the view your results link in the email and put in my information. Then the website says " Sorry for the inconvenience, currently, service is unavailable. Please try again later. '' I wanted to see was it just my account and I feel it is because I asked my friend to do it also under her information but she got through. I believe Equifax is blocking my account on their end so I can not see my results. I called in XX/XX/2019 once again customer service was horrible because they can not answer the consumer questions but these are the people handling our credit report. I am very disappointed with the credit agency and wish they handle business like XXXX. XXXX is still investigating my account and actually doing the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 non-monetary relief
Consumer complaint received 2023-04-06
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX  XX/XX/XXXX, 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 2019-08-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The short sale documents were sent on XX/XX/2019 and right away the POC XXXX XXXX said that she can not accept the settlement statement with {$83.00}, XXXX. So we advised her that we are going to dispute value, however, she referred us to the Appraisal company, so we contacted the Appraisal company but then they referred us to HUD and HUD referred us back to the Fifth Third Bank. So we got back to Fifth Third Bank and they then assisted us regarding the Value Dispute. 5 days were wasted because of the misinformation. Only then on XX/XX/2019 that we received a decision from the appraiser that he is not changing his value. 
And now, the short sale documents are still being reviewed and can not give an ETA. 
We are about to lose the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Affirm 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I participated in a balance transfer promotion offered by my Chase credit card, in the amount of {$7300.00}. This balance was to be interest-free until XX/XX/XXXX, separate from any other purchase balances I incurred thereafter. 

Over the course of the subsequent cycle, I separately had purchases and matching returns at XXXX and XXXX XXXX in substantial amounts. Specifically, in the XX/XX/XXXX statement, I had {$5300.00} in return credits from these merchants, that should have been matched up to net against prior posted charges from these merchants XXXX which would have been part of my current balance at that time ). 

However, it appears that Chase has chosen to disregard the already posted charges from these merchants, because they were not yet included in a *closing-statement* balance, and regard the credits from these same merchants as " payments '', which when applied to the *prior* statement balance, was considered an excess payment and therefore a reduction of my promotional balance. When the now un-netted charge from these merchants was left without its corresponding credit on the closing statement, the result is a ballooning of my " purchase '' balance, subject to a 18.24 % rate, despite the fact that I made no or minimal net purchases ( I typically do not carry a balance, outside of the promotional balance ). 

As of the current statement, the balances in these 2 categories have essentially reversed, I now have a purchase balance of {$7200.00}, and a promotional balance of just {$1300.00}, again, despite the fact that I did not make net purchases in anywhere near that magnitude in the cycle, nor did I make net payments of several XXXX dollars. 

In a simple case, if Chase 's behavior is permitted to stand, if I have {$10000.00} in non-interest accruing promotional balance, but buy and and return an item for {$5000.00} *within* a given billing period, the merchant 's credit will immediately deduct from the promotional balance as an " over-payment '' based on the last closing statement balance, and by the next statement, I will have a promotional balance of {$5000.00} and a purchase balance ( accruing at 18 % ) of {$5000.00}. Essentially, a purchase and return need to occur in different billing cycles to *not* reduce a promotional balance. 

I find this absurd, deceptive, and likely a purposeful attempt to circumvent the spirit of the Credit CARD Act of 2009. A purchase and matching credit from a merchant is not a " payment '', and separating them in this way to opaquely increase the bank 's fees, when clearly I intended to keep my promotional balance untouched ( I had taken out the promotional balance just 2 months prior with 10 months in the interest-free term remaining ), is outrageous and hopefully subject to sanction by the CFPB. 

Many thanks for your time and attention. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The collection Agency is listed below. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX XXXX!! **** has violated my rights. By Federal the FCRA they have the verify and provide 100 % proof validation. 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. 11115 U.S.C. 1681 s-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.

This is the very first time see this falsely inaccurate information, I never receive anything documents from this company. They sent the proof of that, That I did not receive this certified mailing from them. But first thing first, That's not my signature on those documents and my name is spelled wrong.The second thing They are crazy enough to send these falsified and inaccurate document to your company. If you look very very closely you will notice that lot of things is very wrong. They sent to your company ( CFPB ) they sent the same document to your company twice one with their signature on it with no date and the same document with my miss spelled name and no date. It looks like to me someone trying to use some kind of pdf software or something.

They did add some kind of date Though. it's Out of place. The third thing is that they sent to your company that the account was created or open on XXXX XXXX, ,but at the same time telling the Credit Bureau the account was open on XX/XX/2020 Do you see what's wrong with this picture? That they are intentionally sending Factified information to your Company and the Credit Bureaus Mainly Trans Union. The fourth thing Trans Union sent me a letter in the mail saying that information was verified., but never send me anything show me that it was 100 % proof that it was verified. no documents at all ... .. discrepancies in information. they know that if any wrong information is on any ones credit report it had to be remove or corrected. It seems to me at the Credit Bureau don't care is the information is accurate or not as long as they get paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: Auto Trakk, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had a lease with auto trakk llc and my car got totaled out. Auto trakk llc told my insurance that i owed a balance of XXXX dollars and some change, but on my credit report it was reporting something different, even the lease supposed to be for 48 months but it was reported 56 Months this has been reporting like this since i had the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: CCS Financial Services, 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:
Since XX/XX/2019, this company continues to send me letters stating they are attempting to collect a debt for {$270.00} for XXXX XXXX XXXX. I have sent them 4 letters asking for debt validation and they continue to ignore my request. Instead, they continue to ask for payment. In the last letter I sent to them, dated XX/XX/2019, I advised them that I believe their company has violated my consumer rights in the following ways. 

Failed to validate a debt at my request FDCPA violation Continued to attempt to collect a disputed debt FDCPA violation But yet they still send more letters dated XX/XX/2019 and XX/XX/2019 asking for payment without validating the debt. I've asked that they provide proof of their right to own/collect this alleged debt and to provide the following : 1. Balance claimed including all fees, interest, and penalties 2. Copies of any papers that show I agreed to pay what they say I owe 3. The original contract bearing my personal signature 4. License proof to collect debts in my state 5. License numbers and registered agent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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