BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-07-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX I utilized accumulated points ( XXXX the equivalent of {$590.00} ) to reserve a rental car in XXXX XXXX XXXX, starting XX/XX/2023 until XX/XX/2023. Got a confirmation # XXXX. This booking was done through Chase Travel. A Trip I.D . # XXXX was issued to me. Pick up time of XXXX at XXXX XXXX XXXX was arranged. We would be picked up at the airport and shuttled to the XXXX XXXXXXXX XXXX XXXX XXXX location. We arrived by XXXX XXXX flight # XXXX that was on time. Upon reaching the arrival area, no XXXX XXXX Representative could be seen. Call the XXXX XXXX XXXX # listed on the voucher and the phone was not answered. We had to scramble for transportation by taxi as no cars we available from other companies. Upon reaching our accommodation we called Chase XXXX and complained about not being pickup nor being able to reach the company by phone. Requested a refund of points. On Sunday XX/XX/2023 we received an apology from Chase XXXX for the delay in answering our refund request. On Monday XX/XX/XXXX, XXXX we received correspondence from Chase XXXX stating that request was denied ; Reason : I did not qualify for a Security Deposit Check. I who hold a Chase card through which the car was rented. I never got the car nor points back. XX/XX/2023, I responded to denial of returning my points. XX/XX/2023 got an additional denial to another request flied. Made several calls to Chase Travel submitting request for reinstatement of points only to be taken through what was called an escalation to 2 or three experts in the travel department and the ultimate denial. On XXXX XXXX an expert with Chase Travel wrote to say I was awarded 7500 Goodwill points. I lost 47272 points and I need a complete restoration. In my opinion that would only be fair. Chase Bank needs to take responsibility for that. I was instructed to make an appeal. Embarking on the appeal process revealed it to be a sham. I was asked for the Trip I. DXXXX # XXXX. When I provided it, they respond that that # could not be found therefore I could not proceed. It was nothing but another exercise in frustration to help in defrauding us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
The company denied me an auto loan twice. Per Title 15 USC 1611, the transaction is based off of my unlimited credit.

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 2023-08-01
Company: Bread Financial 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, the Ultamate rewards/Comenity Bank Account ending in # XXXX Ulta has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

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

15 USC 1666B : 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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act, XXXX, XXXX, and Transunion has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, texas 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 2023-05-03
Company: Zions Debt Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIRST THIS COMPANY, ZION DEBT HOLDINGS, PLACED A COLLECTION ON MY CREDIT REPORT ( S ) WITHOUT PRIOR WRITTEN NOTICE. NEXT THEY WERE ASKED TO VALIDATE NOT VERIFY THE DEBT THEY SAID I OWE BY DOING THE FOLLOWING : TO INCLUDE THE FOLLOWING PROOF, WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE COPIES OF ANY PAPERS THAT SHOW AGREE TO PAY WHAT YOU SAY I OWE ; PROVE THAT STATUTE OF LIMITATIONS HAS NOT EXPIRED 3YEARS ; SHOW THAT YOU ARE LICENSED TO COLLECT IN MY STATE NY ; AND PROVIDE YOUR LICENSE NUMBERS. 

TO WHICH THEY RESPONDED BY EMAILING ME, VIA THE EMAIL I PROVIDED TO CFPB ONLY ( WHICH I DID NOT CONSENT TOO, ACCORDING TO NYS LAW 23 NYCRR 1.6-REQUIRES MY CONSENT ) AND MAILING CORRESPONDENCE TO VERIFY THE DEBT. 

THEY FAILED TO VALIDATE THE DATE : -FAILED PROVE WHAT THE MONEY YOU SAY IS OWED. 
-FAILED PROVE HOW YOU CALCULATED WHAT IS OWED -YOU HAVE FAILED PROVE THAT I AGREED TO PAY WHAT YOU SAY IS OWED ( NOT MY SIGNATURE ) -FAILED PROVE THAT THE STATUE OF LIMITATIONS IS NOT EXPIRED ON THIS ALLEGED DEBT ( THE CONTRACT THEY PROVIDED IS EXECUTED IN XXXX. THE SOL ON THIS DEBT IS XXXX ) -FAILED PROVE THAT YOU HAVE LICENSE TO COLLECT IN MY STATE NY ( THEY ARE NOT ) -FAILED PROVIDE YOUR LICENSE NUMBER ( S ) ( DID NOT PROVIDE LICENSED NUMBERS AS REQUIRED. 

THEY ARE REPORTING ERRONEOUS AMOUNT OF DEBT THE CREDIT REPORT. THE CREDIT REPORT SAYS ONE AMOUNT THEIR LETTER STATES A DIFFERENT AMOUNT. THEY ARE MIS-REPRESENTING THEMSELVES UNDER TWO DIFFERENT NAMES AND ADDRESSES TO THE CRAs.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I trust this letter finds you well. I am writing to you as a valued customer to address a matter of concern regarding the late payments recorded on my account. I have recently noticed that there have been late payments recorded on my account. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX customer service representative. I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I address the credit bureau as into regards of the removal of inaccurate credit info being displayed on my credit report, and to no avail nothing was done and that is a problem for me. I also address new york and company, back in XX/XX/XXXX and they did reply on XX/XX/XXXX I will be enclosing their response letter to me.and with that being said this company filed for a chapter XXXX bankruptcy on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/23 at XXXX, I received an email from PayPal announcing they permanently limited my account because they found potential risk. I have a balance of {$3100.00} in my PayPal account at the time of this email. They will hold these funds for up to 180 days. 

I messaged PayPal immediately asking about the situation and if there was any documentation I could provide to clarify whatever this risk might be. 

I received a response at XXXX, stating their decision to close the account was final. I know they can close an account for any reason, but they refuse to give me a reason. The claim that " In order to protect the integrity of the PayPal Service, we can not disclose the specific criteria that we sometimes use to limit access to accounts. '' I reviewed these potential reasons in their User Agreement and Acceptable Use Policy and the disclosures are so vague its impossible for me to determine what went wrong and they won't tell me. But they plan on holding my money for 180 days and they " reserve the right to close any account reported to be involved in possible fraudulent or high-risk behaviour. In the event of a dispute, PayPal will seek to recover the funds from you by debiting your PayPal balance. '' If this was due to a dispute they should be able to tell me that. I should see the dispute in my resolution center and there are no logged disputes there. As a result, there should be no reason to remove any of these funds from my account since they claim they would do that only in the event of settling a dispute. I use the XXXX XXXX  so that I get the merchant protections for running EMV chip transactions. I should have those protections against any disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Ally 2 times trying to getting a letter or form saying that I was cancelling a dispute I had put months ago almost a year. I need proof that the dispute is being removed or cancelled and no one could help me. I am trying to buy a house and I cant having that dispute under me. I was told to wait 45 days I cant wait 45 days. And when I called again they told me there was nothing they could do to call the credit bureaus.

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 2023-02-03
Company: MOHELA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was notified that MOHELA was receiving my loans from XXXX. I have tried to set up an account with them to no avail. I called them and was on the phone FOR AN HOUR. I have recived nothing from them regarding my loans or the transfer. I am unable to set up an account because they said the information I provided them about my date of birth, social security number, and last name are wrong when they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I received 3 emails saying I opened up an account with Bank Of America to apply for a credit card and I do not bank with that bank. When looking at the other emails it says it got denied due to having the wrong information. I called Bank Of America and gave them my SSN and they see that the account was applied for and did tell me that whoever tried making this account will not be receiving any money from my bank 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 2018-10-26
Company: Experian Information Solutions Inc.
State: DE
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:
I had disputed an account ending XXXX with XXXX XXXX XXXX and sent via certified mail on XX/XX/18 to experian where they signed and acknowledged the certified mail on XX/XX/18. I called experian to address and ask why is my credit still reporting inaccurately ... Customer rep was rude, and acknowledged that he did indeed receive my documentation. This has been reporting on my credit inaccurate and has affected my well being and denial for credit. I followed protocol and provided validation from creditor of what needed to be updated on my credit report. The customer rep acknowledged that they received my documentation but did not want to make the needed adjustment per my FCRA right which has been violated. Rep also stated that he didn't care if i contacted CFPB as it wont make a difference. At this point this is affecting my way of life as credit is everything and to have a rep tell me he didn't care was complete disrespect to me and violated my FCRA rights. I placed my call to Experian at XX/XX/18 XXXX EST. Credit is everything and when you entrust in the system to do right make sure they take their job serious and especially when documentation is supported per their validation process its disheartening and reason why people lose faith in the credit reporting agencies. So many of us have inaccurate items on credit that goes unnoticed and without a care in the world to make it right.

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 2023-04-12
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
MY COMPLAINT IS WITH DIRECTEXPRESS/COMERICA BANK . 
I originally reported 4 unauthorized transactions from XXXX on XXXX. XXXX. XXXX for {$9.00} and 4 transactions from XXXX XXXX XXXX on XXXX for {$9.00}... 
fraud report ID XXXX I reported them and was told by the agent that he had several reports from different customers filed that same day about the same perpetrators. I was then told the transactions were pending and had to go through before DIRECTEXPRESS/COMERICA BANK would investigate. I was told they would be sending out a questionnaire. They sent me a questionnaire dated for XXXX with a due back date within 10 days of XXXX. I received the questionnaire on XXXX and the dollar amount was not what I reported. I reported a total XXXX {$79.00} and they sent me {$97.00}. I called DirectExpress immediately and was sent from one department to another to another and then put on hold for over XXXX hours before the call was disconnected. I called back but the office was closed. I called back today, XXXX, and asked for a supervisor. I repeated the issue to her and then said I would be contacting the FDIC at which point she told me that due to DirectExpress policy she had to discontinue the call and promptly hung up. I've had problems with them once before over a dispute and because of the due dates they issue I lost that money even though they knew I was not at fault for the transaction. They also falsified the amount of the transactions by over {$16.00}. 
I have looked into the way the FDIC and other banks handle issues like this and they are quite different from the way the Comerica bank fraud investigations team does it. I also looked up DirectExpress/Comerica investigation team and found out they have been sued repeatedly for this exact same issue since XXXX. These are Federal funds issued to people on XXXX, SSA and SSI that are being misappropriated. My money included!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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:
The independent bankers bank is reporting on my credit without providing who they are. They take soft and hard inquires with the intent to reduce my credit report and supported by Equifax, XXXX, and XXXX to reduce my fico score without notice to who they are and what they are about. I have no clue who this is and how they feel they are involved in my credit report unless its fraud. I truly believe this is an act of fraud unsupported by Equifax XXXX and XXXX to drive fico down for credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage was sold from XXXX XXXX XXXX XXXX to Freedom Mortgage. 

I believe the transferal of mortgage information including my insurance coverage either wasn't transferred correctly or Freedom Mortgage mishandled the documentation. 
They sent me several letters over the past few months telling me that I am not sufficiently insured for wind damage. And threatened to buy costly insurance in place using funds from my escrow account until I could prove my insurance. 
I responded to the letter via a website provided on the letter where I could upload my insurance information as well as faxed the number on the letter. That was on XX/XX/XXXX. 
Again around XX/XX/XXXX I received a final notice letter telling me I still don't have sufficient coverage. 
I called Freedom Mortgage on XX/XX/XXXX and talked to an insurance rep. She gave me an email to send her the document. She viewed it and said it was the document she needed and that it would be uploaded to my loan. I asked her if there was any chance that I was too late or that I could be charged for the wind insurance through Freedom Mortgage 's insurance affiliate, she said absolutely not and that inquiry would be closed and I would next receive a letter stating so. 

Today I checked my mail XX/XX/XXXX and have a letter dated from XX/XX/XXXX telling me that Freedom Mortgage purchased insurance from me through their affiliate and charged my escrow account {$370.00}.

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 2022-11-08
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681cXXXX ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; 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