BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
This complaint is in reference to my XXXX XXXX account. I made a purchase from XXXX XXXX in XXXX of 2017 and stayed current with the payments. However, my account was purchased by another lender without my knowledge and I was never notified. I've since encountered several billing issues that have resulted in a problematic sequence of events with this lender. The fact that I'm not receiving a bill leaves me behind on several months worth of payments. After the initial breach of terms that I had agreed to I suspect this is the lenders attempt to reconcile the account in full to reduce it's liabilities or sever it's liability altogether by forcing this account into default. I have received hundreds of harassing phone calls from unidentified callers claiming to be associated with this bank demanding bank account information which I have refused to disclose over the phone to an unidentified caller ( sometimes from XXXX XXXX. The bank has admitted a billing error, but refused to bring the account current a resume accepting the agreed upon amount as payment. On every statement they offer credit counseling, which I suspect they charge a fee for. This may play a role in the reason why they do this. I have never agreed to auto-draft payments as they not consistent with my pay frequency, nor did I agree to balloon payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: JPMORGAN CHASE & CO.
State: OH
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:
In XX/XX/2023, I purchased a camera body from an XXXX seller for the total amount of {$920.00}. After sharing my experience with others, I have learned that I was the victim of a Fake Tracking ID ( FTID ) scam, as the item was delivered to the wrong address within my zip code, and signed for by a stranger as shown through USPS documentation. I attempted to resolve the issue with an XXXX case and appeal ( would not help me because it is within the same zip code and USPS/local post office did not help. I submitted a complaint through the XXXX banking app to dispute the charge and received a temporary reimbursement. However, following their limited investigation they ruled to remove the funds from my account. I provided documentation from USPS and XXXX along with a letter to explain my case, and did receive a response. Finally, after waiting for a few weeks, I called to ask about the status of my appeal and they informed me that they could not help ( once again due to it being within the same zip code ). I am very disappointed in their lack of help and am out of options to try getting my money reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE 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:
TransUnion violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave Transunion any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction I am complaining about.

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 2018-05-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XX/XX/18 {$19.00} XXXX XXXX XXXX XXXX XXXX XX/XX/18 {$13.00} XXXX XXXX XXXX XX/XX/18 {$20.00} More for less XXXX CA XX/XX/18 {$13.00} Unauthorized charges were made on my account not be me or with out my permission I have my debit card pin written on the card anymore could have took it out of my bag in my car and used it. They told me I have to pay because I made changes from the town I live in XXXX  and XXXX are the two towns I shop in my bank is located in XXXX ca. I don't shop nor live in XXXX XXXX CA or XXXX  CA. They should request to view they taps

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX day of XXXX, XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear ABSOLUTE RESOLUTIONS, I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigate and rectify these discrepancies to ensure the accuracy and integrity of my credit profile. 

The incorrect information is as follows : [ ABSOLUTE XXXX XXXX XXXX  XXXX XXXX ] ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. 

As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. 

I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
mortgage service charging borrowers ' excessive fees : late fees - swept onto accounts on or before the grace period actually expires. Issuing " late fee '' correspondence to accounts that have been set-up or on Auto draft, EFT or ACH and triggering inspections leaving borrower to absorb costs that they have no knowledge of ; healthy corporate advances and misapplying payments due to error in payment process ; reversing payments ( long enough to collect " per diem ( s ) '' ) and, then applying late fees after corrections ; calling borrowers who have asked company to Do Not Solicit ; letting bankruptcy accounts walk away without the knowledge that they can reaffirm thus locking them into payments that eventually cause foreclosure because of no reaffirmation ; not reporting on-time payments to credit bureaus and borrower has no knowledge until they are into re-financing ; borrower 's are told not to make the current month payments while awaiting for re-finance decision and if the re-finance is not approved, then the payment considered late and [ borrower ] absorb late fee and are now a month behind and struggling to catch up. Not sending borrowers ' [ their ] time-stamped collateral after payoff and much more. 
The systems algorithm is primarily set-up to sink the borrower thus, these malicious atrocities and others leaves one scrambling for payments that could have easily been applied in a timely manner had Borrowers been told to make the payment so not to affedt their credit report. Borrowers are aware of this and know that this particular mortgage service is getting worse... now they are trying to re-brand because of a lawsuit payout. Nothing has changed, they are still predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently submitted a request to have my home reappraised to hopefully appreciate out of the PMI on my mortgage. US BANK said the ESTIMATED appraisal cost was {$390.00} so I sent a check for the amount to begin the process. Upon notification that the market value had not changed on the home, I requested that the remaining amount be sent back. The appraisal was {$350.00}, I sent {$390.00}, a {$40.00} difference. 

The bank claims the {$40.00} went to an administrative cost and would not be returned. 

I then spoke with a Supervisor, XXXX, who refused to give me the regulating agency to whom I could file a complaint with. She did give me the address to submit a written complaint to US BANK. 

XXXX confirmed that the documents did say " estimated '' and that the appraisal was for only {$350.00}, but would not give a reason as to where the additional funds went.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
regarding my dispute with XXXX XXXX on XX/XX/2020 amount of {$1900.00}. The company who charged my card, they forged my signature. I have provided my Driver License and my signature to XXXX XXXX to show proof of signature that was not my signature but XXXX saying I'm responsible for the charges. i did email 4 times to XXXX XXXX and fax to them but when i call to follow up they say we don't have the information i sent to them.

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 2023-02-26
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:
I contacted Transunion by phone on several occasions regarding the discrepancy that I had with my credit report balance reflecting a much higher balance ( {$340000.00} ) than its original principal balance ( {$340000.00} ) on my mortgage loan with XXXX. I've filed disputes over the phone and online, with an end result of " nothing. '' I even generated a correspondence dispute through the mail on XX/XX/23, and still no response. I've been pursuing this for the last month with no solution. Even when attachments were submitted with the dispute online, the end result of the investigation led to nothing. The customer service representatives that I've spoken to, I assume, are documenting the disputes being reported, but as of today, still there's no closure to this issue. The confirmed balance of ( {$340000.00} ) is indicated on the " Verification of Mortgage, '' dated XX/XX/23 from XXXX XXXX XXXX. This issue has been a drag when it doesn't have to be. The TRUTH of the matter is written in black & white, but Transunion continues to ignore this discrepancy, which by law, violates the federal Fair Credit Reporting Act ( FCRA ). Transunion fails to be transparent in every way, shape or form. And because of this, I'm pursuing this complaint to hopefully remedy this situation that's causing me much anxiety and stress. My rights are being compromised as a consumer and I'm hoping to resolve this as soon as possible. Thank you!

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 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-07-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly emailed and called my mortgage provider ( Fifth Third Bank ) numerous times over the course of several months requesting the removal of PMI. I have submitted the paperwork providing permission in XX/XX/XXXX after sending in the extensive renovations that have been completed since closing in XX/XX/XXXX. This request has been made under " Substantial XXXX. '' The Contract price of the home was {$330000.00} with {$5000.00} credited at closing to buyer. 

The appraisal at the time of closing came in at {$360000.00} ( the home was distressed ) I placed 5 % down borrowing $ XXXXThereafter I placed {$100000.00} renovating the interior and exterior of the home and provided this list to Fifth Third months ago. A member service rep only calls me to request I send in paperwork that I have already submitted to the same email address they provide! 


Current market value is estimated between $ XXXX {$430000.00}. Current payoff is {$300000.00}. 


They are reluctant to remove this unjustified fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF EDXXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} XXXX XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}

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 2023-04-27
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Citi checking account on Tuesday XX/XX/2023. I initially deposited XXXX $ into the account. I read the terms and agreement and realized I needed to have a minimum of {$1500.00} balance to avoid the monthly fee. I deposited {$2000.00} into the checking account on XX/XX/2023 via personal check that my wife drew up. The check cleared and on XX/XX/2023 I received an email notifying me that my account will be automatically closed in 60 days. I contacted their customer support phone number on XX/XX/2023 to discuss the matter but the customer service representative stated that they could not reveal any details about the account. I have not even had this checking account for 1 month and Citi has decided to close the account. I have been using Citi for their credit cards for 2 years prior to this so I am not a new customer to Citibank. After such a fiasco, I intend on never doing any business with Citi and recommend others to stay away.

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 2020-08-10
Company: Bread Financial Holdings, Inc.
State: NY
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:
XXXX 2020 I was going through financial difficulties and was unable to make the payments on time. However today I am in a better financial situation and have been paying my bills on time and even paid off the balances for all my credit cards. I have asked several times by Calling and sending letters of goodwill. They will not help me during this time although my cards are in good standing as of today and I have been paying on time.

Company response to consumer: Closed with explanation